Home Insurance in Wood County, West Virginia
With a median home value of $158,500, Wood County is close to the West Virginia median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wood County was built around 1970. About 38% of homes were built before 1960, about 6 points above West Virginia's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wood County is 76% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
50% of owner-occupied homes in Wood County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Wood County are owner-occupied.
In Wood County, 73% of homes are primarily heated with natural gas.
The top hazards for Wood County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), strong wind (Relatively Moderate) and hurricane (Relatively Low).
Wood County had 220 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $158,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 220 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)