Home Insurance in Middlebourne, West Virginia
With a median home value of $134,400, Middlebourne is 11% higher than the Tyler County median.
The typical home in Middlebourne was built around 1966. About 42% of homes were built before 1960, about 1 point above Tyler County's 41%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Middlebourne is 74% single-family homes, 10% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 37% of owner-occupied homes in Middlebourne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Middlebourne has an owner-occupancy rate of 75% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Middlebourne - 73% - are primarily heated with natural gas.
FEMA rates Tyler County's overall risk as Very Low, led by inland flooding (Relatively Low). 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 | $134,400 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)