Home Insurance in Mullens, West Virginia
With a median home value of $78,600, Mullens is 5% lower than the Wyoming County median.
The typical home in Mullens was built around 1953. About 78% of homes were built before 1960, about 44 points above Wyoming County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mullens is 92% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Mullens, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mullens has an owner-occupancy rate of 83% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Mullens, 71% of homes are primarily heated with natural gas.
Wyoming County had 233 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Wyoming 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 | $78,600 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Wyoming County | 233 |
| 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)