Home Insurance in Sistersville, West Virginia
Homes in Sistersville carry a median value of $95,300 - 21% lower than the Tyler County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Sistersville was built in 1939 or earlier. About 70% of homes were built before 1960, about 30 points above Tyler County's 41%.
In Sistersville, the housing stock is 80% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sistersville, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Sistersville are owner-occupied.
Most homes in Sistersville - 81% - are primarily heated with natural gas.
What's the biggest home insurance risk near Sistersville? FEMA's National Risk Index points to inland flooding (Relatively Low) in Tyler County and 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.
In West Virginia, the statewide average premium for a standard HO-3 homeowners policy is $1,179 per year (NAIC, 2023 data).
Key figures
| Median home value | $95,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)