Home Insurance in Summers County, West Virginia
With a median home value of $140,100, Summers County is 14% lower than the West Virginia median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Summers County was built around 1974. About 36% of homes were built before 1960, about 4 points above West Virginia's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Summers County is 79% single-family homes, 2% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
In Summers County, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Summers County has an owner-occupancy rate of 81% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
41% of homes in Summers County are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Summers County, per FEMA's National Risk Index, are inland flooding (Relatively Low), wildfire (Very Low) and winter weather (Relatively Low).
As of September 2026, Summers County has 98 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in West Virginia carries a statewide average premium of $1,179 per year.
Key figures
| Median home value | $140,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 98 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)