Home Insurance in Pine Grove, West Virginia
The median home value in Pine Grove is $97,700, 9% lower than the Wetzel County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pine Grove was built around 1950. About 61% of homes were built before 1960, about 14 points above Wetzel County's 47%.
The housing stock in Pine Grove is 61% single-family homes, 4% apartments in buildings with 5+ units and 10% 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.
In Pine Grove, about 23% 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 46% of occupied homes in Pine Grove are owner-occupied.
Most homes in Pine Grove - 88% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pine Grove? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Wetzel County and Wetzel County had 119 active NFIP flood policies as of September 2026. See the full Wetzel County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in West Virginia carries a statewide average premium of $1,179 per year.
Key figures
| Median home value | $97,700 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Wetzel County | 119 |
| 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)