Home Insurance in Reedy, West Virginia
The median home value in Reedy is $77,100, 37% lower than the Roane County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Reedy was built around 1959. About 52% of homes were built before 1960, about 22 points above Roane County's 30%.
The housing stock in Reedy is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in Reedy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Reedy are owner-occupied.
Most homes in Reedy - 75% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Roane County's overall risk as Relatively Low, led by inland flooding (Relatively Low). Roane County had 76 active NFIP flood policies as of September 2026. See the full Roane County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in West Virginia is $1,179 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $77,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Roane County | 76 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)