Home Insurance in Tyler County, West Virginia
Homes in Tyler County carry a median value of $121,300 - 25% 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 Tyler County was built around 1968. About 41% of homes were built before 1960, about 9 points above West Virginia's 32%.
In Tyler County, the housing stock is 82% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 31% of owner-occupied homes in Tyler County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tyler County has an owner-occupancy rate of 84% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Tyler County - 66% - 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.
The top hazards for Tyler County, per FEMA's National Risk Index, are inland flooding (Relatively Low), strong wind (Relatively Low) and hurricane (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Tyler County has 33 active NFIP flood policies on file.
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 | $121,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Strong Wind (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 33 |
| 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)