Home Insurance in Smithfield, West Virginia
The typical home in Smithfield was built around 1943. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 72% of homes were built before 1960, about 25 points above Wetzel County's 47%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Smithfield is 63% single-family homes, 24% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 4% of owner-occupied homes in Smithfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 44% of occupied homes in Smithfield are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 37% of homes in Smithfield are primarily heated with natural gas.
Wetzel County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in West Virginia is $1,179 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1943 |
|---|---|
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 4% |
| 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)