Home Insurance in Pineville, West Virginia
With a median home value of $119,300, Pineville is 44% higher than the Wyoming County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Pineville was built around 1955. About 71% of homes were built before 1960, about 36 points above Wyoming County's 34%.
Housing in Pineville breaks down to 98% single-family homes and 2% mobile or manufactured homes.
19% of owner-occupied homes in Pineville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pineville has an owner-occupancy rate of 81% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
49% of homes in Pineville are primarily heated with natural gas.
FEMA rates Wyoming County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Wyoming County had 233 active NFIP flood policies as of September 2026. 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.
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 | $119,300 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)