Home Insurance in Vienna, West Virginia
Homes in Vienna carry a median value of $154,300 - close to the Wood County median.
The typical home in Vienna was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, in line with Wood County (38%).
The housing stock in Vienna is 81% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
53% of owner-occupied homes in Vienna carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Vienna are owner-occupied.
Most homes in Vienna - 83% - are primarily heated with natural gas.
Wood County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 home value | $154,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)