Home Insurance in Hinton, West Virginia
With a median home value of $92,900, Hinton is 34% lower than the Summers County median.
The typical home in Hinton was built around 1950. About 73% of homes were built before 1960, about 37 points above Summers County's 36%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Hinton breaks down to 83% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 42% of owner-occupied homes in Hinton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Hinton are owner-occupied.
Most homes in Hinton - 65% - are primarily heated with natural gas.
Summers County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Summers County had 98 active NFIP flood policies as of September 2026. See the full Summers 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 | $92,900 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Summers County | 98 |
| 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)