Home Insurance in Addison (Webster Springs), West Virginia
With a median home value of $89,200, Addison (Webster Springs) is 17% higher than the Webster County median.
The typical home in Addison (Webster Springs) was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 64% of homes were built before 1960, about 29 points above Webster County's 34%.
The housing stock in Addison (Webster Springs) is 72% single-family homes, 21% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Addison (Webster Springs) have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Addison (Webster Springs) are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Addison (Webster Springs), 51% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Webster County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Webster County had 68 active NFIP flood policies as of September 2026. See the full Webster 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 | $89,200 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Webster County | 68 |
| 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)