Home Insurance in Elizabeth, West Virginia
Homes in Elizabeth carry a median value of $87,400 - 25% lower than the Wirt County median.
The typical home in Elizabeth was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 6 points above Wirt County's 17%.
The housing stock in Elizabeth is 45% single-family homes, 7% apartments in buildings with 5+ units and 28% 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 Elizabeth, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Elizabeth has an owner-occupancy rate of 51% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Elizabeth, 64% of homes are primarily heated with electricity.
FEMA rates Wirt County's overall risk as Very Low, led by inland flooding (Relatively Low). Wirt County had 19 active NFIP flood policies as of September 2026. See the full Wirt 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 | $87,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Wirt County | 19 |
| 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)