Home Insurance in North Hills, West Virginia
With a median home value of $258,900, North Hills is 63% higher than the Wood County median.
The typical home in North Hills was built around 1975. About 2% of homes were built before 1960, about 36 points below Wood County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in North Hills breaks down to 99% single-family homes and 1% mobile or manufactured homes.
About 71% of owner-occupied homes in North Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in North Hills are owner-occupied.
Most homes in North Hills - 83% - are primarily heated with natural gas.
FEMA rates Wood County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Wood County had 220 active NFIP flood policies as of September 2026. See the full Wood 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 | $258,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Wood County | 220 |
| 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)