Home Insurance in Wayne, West Virginia
With a median home value of $82,100, Wayne is 35% lower than the Wayne County median.
The typical home in Wayne was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 4 points above Wayne County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wayne is 63% single-family homes, 20% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
In Wayne, about 20% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 46% of occupied homes in Wayne are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
51% of homes in Wayne are primarily heated with natural gas.
FEMA rates Wayne County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Wayne County had 145 active NFIP flood policies as of September 2026. 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 | $82,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)