Home Insurance in Wyoming County, West Virginia
Homes in Wyoming County carry a median value of $82,900 - 49% lower than the West Virginia median.
The typical home in Wyoming County was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 3 points above West Virginia's 32%.
The housing stock in Wyoming County is 70% single-family homes, 3% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 22% of owner-occupied homes in Wyoming County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wyoming County has an owner-occupancy rate of 82% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Wyoming County - 63% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Wyoming County's top hazards are inland flooding (Relatively Moderate), wildfire (Relatively Low) and hurricane (Very Low).
Wyoming County had 233 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 | $82,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Wildfire (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 233 |
| 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)