Home Insurance in Kenova, West Virginia
Homes in Kenova carry a median value of $109,000 - 14% lower than the Wayne County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kenova was built around 1958. About 55% of homes were built before 1960, about 27 points above Wayne County's 28%.
The housing stock in Kenova is 67% single-family homes, 10% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 26% of owner-occupied homes in Kenova have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Kenova are owner-occupied.
Most homes in Kenova - 60% - are primarily heated with natural gas.
Wayne County had 145 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Wayne 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 | $109,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Wayne County | 145 |
| 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)