Home Insurance in Taylor County, West Virginia
With a median home value of $148,800, Taylor County is 8% lower than the West Virginia median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Taylor County was built around 1979. About 37% of homes were built before 1960, about 5 points above West Virginia's 32%.
The housing stock in Taylor County is 79% single-family homes, 4% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Taylor County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Taylor County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Taylor County, 48% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Low), hurricane (Very Low) and hail (Relatively Low) as the leading hazards for Taylor County.
As of September 2026, Taylor County has 32 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $148,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Hurricane (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 32 |
| 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)