Home Insurance in Friendly, West Virginia
Homes in Friendly carry a median value of $115,300 - close to the Tyler County median.
The typical home in Friendly was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 8 points below Tyler County's 41%.
In Friendly, the housing stock is 76% 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.
24% of owner-occupied homes in Friendly carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Friendly are owner-occupied.
Most homes in Friendly - 51% - 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.
Tyler County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Tyler County had 33 active NFIP flood policies as of September 2026. See the full Tyler 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 | $115,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Tyler County | 33 |
| 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)