West Virginia

Home insurance overview — 456 ZIP codes, 282 cities

Avg Premium (2025 Est.)

$1,277

+9.4% from 2022

Nonrenewal Rate

0.88%

5yr Storm Damage

$84.2M

West Virginia Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Gauley Bridge	1	$1,181	59	+8.0%	Elevated
Boomer	1	$1,254	59	+14.2%	Elevated
Hepzibah	1	$1,171	59	+18.7%	Elevated
Salt Rock	1	$1,487	58	+12.2%	Elevated
Kistler	1	$1,417	58	+7.9%	Elevated
Mabscott	1	$1,251	57	+10.9%	Elevated
Ceredo	1	$1,488	56	+13.6%	Elevated
Huttonsville	1	$1,479	56	+15.7%	Elevated
War	2	$1,171	55	+8.0%	Elevated
Cass	4	$1,725	55	+10.2%	Elevated
Montgomery	2	$1,214	53	+8.0%	Elevated
Alderson	2	$1,322	53	+11.2%	Elevated
Mason	1	$1,489	52	+15.5%	Elevated
Princeton	2	$1,476	52	+11.7%	Elevated
Sophia	1	$1,157	52	+8.5%	Elevated
Gilbert Creek	2	$1,391	51	+8.0%	Elevated
White Sulphur Springs	2	$1,784	51	+10.1%	Elevated
Pratt	1	$1,270	51	+8.0%	Elevated
Green Spring	2	$1,435	51	+12.9%	Elevated
Whitesville	1	$1,463	51	+10.9%	Elevated
Switzer	1	$1,291	50	+8.0%	Elevated
Newell	1	$1,213	50	+8.3%	Elevated
Lashmeet	2	$1,448	50	+11.6%	Elevated
Powellton	2	$1,150	50	+8.0%	Elevated
Carolina	1	$1,151	50	+7.9%	Elevated
Harts	2	$1,342	49	+8.0%	Elevated
Iaeger	1	$1,296	49	+8.0%	Elevated
Cameron	1	$1,269	49	+8.0%	Elevated
Valley Grove	1	$1,465	49	+12.3%	Elevated
Kermit	1	$1,500	49	+8.0%	Elevated
Mount Gay-Shamrock	1	$1,488	49	+7.9%	Elevated
Smithers	2	$1,074	48	+8.2%	Elevated
Scarbro	1	$1,302	48	+8.4%	Elevated
Delbarton	1	$1,335	48	+8.0%	Elevated
Verdunville	2	$1,378	48	+8.0%	Elevated
Justice	2	$1,333	48	+8.0%	Elevated
Crumpler	1	$1,077	48	+8.0%	Elevated
Gilbert	1	$1,480	48	+8.0%	Elevated
Reedy	2	$1,283	48	+9.8%	Elevated
Ghent	2	$1,561	48	+7.9%	Elevated
New Haven	1	$1,431	48	+15.3%	Elevated
McConnell	2	$1,336	47	+8.0%	Elevated
Apple Grove	2	$1,369	47	+10.1%	Elevated
Windsor Heights	1	$1,062	47	+9.5%	Elevated
Chesapeake	1	$1,070	47	+10.4%	Elevated
Charleston	7	$1,439	46	+8.6%	Elevated
Grant Town	1	$1,188	46	+10.4%	Elevated
Clay	4	$1,358	46	+9.5%	Elevated
Alum Creek	4	$1,358	46	+8.6%	Elevated
Athens	3	$1,369	46	+10.8%	Elevated
Montrose	2	$1,384	46	+10.1%	Elevated
Hico	5	$1,282	46	+9.0%	Elevated
Fenwick	1	$1,177	46	+8.3%	Elevated
Wallace	1	$1,322	45	+9.0%	Elevated
Wardensville	4	$1,412	45	+13.8%	Elevated
Comfort	1	$1,470	45	+10.8%	Elevated
Great Cacapon	1	$1,371	45	+11.1%	Elevated
Littleton	1	$1,192	45	+10.9%	Elevated
East Bank	1	$1,228	45	+7.9%	Elevated
Hendricks	2	$1,332	44	+10.5%	Elevated
Rupert	2	$1,196	44	+8.8%	Elevated
Brenton	1	$1,284	44	+8.0%	Elevated
Omar	2	$1,464	44	+8.4%	Elevated
Cedar Grove	1	$1,187	44	+7.9%	Elevated
Racine	5	$1,337	44	+8.7%	Elevated
Lesage	1	$1,364	44	+10.1%	Elevated
Benwood	1	$1,221	44	+11.3%	Elevated
Chester	1	$1,236	44	+8.8%	Elevated
Hamlin	2	$1,327	44	+8.0%	Elevated
Triadelphia	2	$1,476	44	+12.1%	Elevated
Shenandoah Junction	1	$1,906	43	+13.5%	Elevated
Rainelle	3	$1,153	43	+8.9%	Elevated
Springfield	1	$1,458	43	+12.7%	Elevated
Hundred	3	$1,310	43	+10.8%	Elevated
Blacksville	1	$1,212	43	+8.2%	Elevated
Bluefield	1	$1,229	43	+8.5%	Elevated
Danville	3	$1,347	43	+7.9%	Elevated
Fort Gay	2	$1,492	43	+8.0%	Elevated
Prosperity	1	$1,187	43	+8.0%	Elevated
Bethany	1	$1,217	43	+11.1%	Elevated
Poca	2	$1,291	43	+9.1%	Elevated
Lewisburg	2	$1,395	43	+10.9%	Elevated
Holden	2	$1,401	43	+8.0%	Elevated
Eleanor	1	$1,137	43	+8.4%	Elevated
Marmet	1	$1,197	43	+9.3%	Elevated
Chapmanville	1	$1,464	42	+8.0%	Elevated
MacArthur	1	$1,014	42	+7.9%	Elevated
Huntington	5	$1,425	42	+9.6%	Elevated
Womelsdorf (Coalton)	3	$1,334	42	+9.0%	Elevated
Newburg	1	$1,158	42	+8.2%	Elevated
Coal Fork	1	$1,161	42	+7.9%	Elevated
Daniels	1	$1,676	42	+7.9%	Elevated
Wayne	1	$1,448	42	+7.9%	Elevated
West Hamlin	3	$1,332	42	+8.0%	Elevated
Rachel	1	$1,080	42	+8.6%	Elevated
Crooked Creek	2	$1,288	42	+7.9%	Elevated
Clendenin	3	$1,318	42	+8.0%	Elevated
Rivesville	1	$1,188	42	+10.6%	Elevated
Valley Head	1	$1,237	42	+8.0%	Elevated
Belington	1	$1,269	42	+7.9%	Elevated
Oceana	5	$1,233	41	+8.7%	Elevated
Oak Hill	1	$1,182	41	+8.0%	Elevated
Peterstown	4	$1,210	41	+9.5%	Elevated
Leon	1	$1,278	41	+10.0%	Elevated
Crum	1	$1,356	41	+8.0%	Elevated
Buffalo	2	$1,245	41	+8.3%	Elevated
Romney	2	$1,320	41	+10.4%	Elevated
Richwood	1	$1,109	41	+12.1%	Elevated
Bolt	5	$1,319	41	+8.0%	Elevated
Mill Creek	1	$1,211	41	+7.9%	Elevated
Matewan	1	$1,340	41	+8.0%	Elevated
Pineville	1	$1,216	41	+8.0%	Elevated
Culloden	1	$1,323	40	+10.0%	Moderate
Barrackville	1	$1,125	40	+9.4%	Moderate
Wiley Ford	1	$1,070	40	+10.3%	Moderate
Quinwood	1	$1,048	40	+8.0%	Moderate
Capon Bridge	5	$1,500	40	+11.8%	Moderate
Grantsville	3	$1,219	40	+11.2%	Moderate
Cowen	1	$1,279	40	+13.8%	Moderate
Falling Spring	2	$1,207	40	+10.4%	Moderate
Glasgow	1	$1,154	40	+8.0%	Moderate
Shady Spring	5	$1,321	40	+8.0%	Moderate
Nitro	1	$1,184	39	+10.3%	Moderate
Hinton	4	$1,176	39	+8.0%	Moderate
Lavalette	1	$1,450	39	+10.4%	Moderate
Welch	1	$1,112	39	+7.9%	Moderate
Moorefield	5	$1,277	39	+11.4%	Moderate
Birch River	1	$1,086	39	+8.0%	Moderate
Williamson	1	$1,303	39	+8.0%	Moderate
Prichard	1	$1,550	39	+8.4%	Moderate
Barboursville	2	$1,526	39	+9.8%	Moderate
Sissonville	3	$1,314	39	+8.0%	Moderate
Fayetteville	2	$1,252	39	+8.0%	Moderate
Union	3	$1,314	39	+12.0%	Moderate
Hollygrove	1	$1,096	39	+7.9%	Moderate
Charles Town	2	$1,701	38	+12.8%	Moderate
Meadow Bridge	1	$1,197	38	+8.0%	Moderate
Winfield	1	$1,422	38	+11.2%	Moderate
Madison	5	$1,365	38	+8.1%	Moderate
Bancroft	1	$1,146	38	+9.9%	Moderate
Robinette	3	$1,212	38	+9.3%	Moderate
Piedmont	1	$1,189	38	+10.4%	Moderate
Eccles	2	$1,186	38	+8.9%	Moderate
Flemington	1	$1,289	38	+11.9%	Moderate
New Cumberland	1	$1,179	38	+8.0%	Moderate
Valley Bend	1	$1,140	38	+8.0%	Moderate
Burnsville	1	$1,266	37	+14.3%	Moderate
Albright	1	$1,271	37	+8.0%	Moderate
Oakvale	1	$1,284	37	+10.4%	Moderate
Hartford City	2	$1,361	37	+9.8%	Moderate
Pinch	2	$1,271	37	+8.0%	Moderate
Marlinton	2	$1,159	37	+9.0%	Moderate
Weirton	2	$1,251	37	+11.0%	Moderate
Ranson corporation	2	$1,460	37	+12.3%	Moderate
Burlington	3	$1,284	37	+9.5%	Moderate
Beaver	1	$1,312	37	+8.0%	Moderate
Lester	1	$1,299	37	+8.0%	Moderate
Hometown	2	$1,132	37	+10.1%	Moderate
Man	2	$1,358	37	+8.0%	Moderate
Glenville	2	$1,214	37	+8.1%	Moderate
Paw Paw	2	$1,370	36	+10.6%	Moderate
Belle	1	$1,178	36	+7.9%	Moderate
Rowlesburg	1	$1,243	36	+9.8%	Moderate
Waverly	1	$1,175	36	+8.2%	Moderate
South Charleston	2	$1,285	36	+8.5%	Moderate
Rock Cave	5	$1,197	36	+9.3%	Moderate
Cross Lanes	1	$1,304	36	+8.2%	Moderate
Milton	2	$1,308	36	+9.1%	Moderate
Charlton Heights	1	$1,118	36	+7.9%	Moderate
Accoville	1	$1,272	36	+8.0%	Moderate
Hillsboro	1	$1,272	36	+11.7%	Moderate
Worthington	1	$1,206	35	+12.1%	Moderate
Cottageville	4	$1,232	35	+9.2%	Moderate
Ansted	1	$1,144	35	+9.4%	Moderate
Shannondale	1	$1,672	35	+13.0%	Moderate
Coal City	2	$1,188	35	+9.2%	Moderate
Enterprise	2	$1,113	35	+11.0%	Moderate
West Milford	1	$1,031	35	+8.3%	Moderate
Beckley	1	$1,253	35	+8.0%	Moderate
Cairo	1	$1,202	35	+8.0%	Moderate
Hurricane	1	$1,439	35	+9.0%	Moderate
Spencer	1	$1,250	35	+9.1%	Moderate
Elk Garden	2	$1,212	35	+10.2%	Moderate
Nettie	2	$1,233	35	+9.5%	Moderate
Shepherdstown	1	$1,691	35	+10.5%	Moderate
Dunbar	1	$1,152	35	+8.4%	Moderate
Hooverson Heights	1	$1,159	35	+9.8%	Moderate
Moundsville	2	$1,199	34	+8.1%	Moderate
Kimberly	1	$1,377	34	+9.2%	Moderate
Bartow	1	$1,089	34	+10.8%	Moderate
Addison (Webster Springs)	1	$1,140	34	+8.1%	Moderate
Arthurdale	3	$1,197	34	+9.1%	Moderate
Newark	2	$1,166	34	+10.1%	Moderate
Pax	1	$1,042	34	+8.0%	Moderate
Reader	1	$937	34	+8.0%	Moderate
Brandonville	1	$1,334	34	+8.2%	Moderate
Idamay	1	$993	34	+7.9%	Moderate
Chelyan	1	$1,063	34	+8.0%	Moderate
Teays Valley	1	$1,457	34	+10.9%	Moderate
Aurora	2	$1,210	34	+8.0%	Moderate
Granville	1	$892	34	+9.6%	Moderate
Hambleton	2	$1,150	34	+9.4%	Moderate
Harrisville	2	$1,151	34	+11.0%	Moderate
Bradley	2	$1,147	34	+8.0%	Moderate
St. Albans	1	$1,116	33	+8.0%	Moderate
Davis	1	$1,656	33	+10.8%	Moderate
Elkins	1	$1,216	33	+8.3%	Moderate
Century	1	$1,191	33	+7.9%	Moderate
Clarksburg	1	$1,092	33	+9.1%	Moderate
Brandywine	2	$1,041	33	+10.7%	Moderate
Weston	2	$1,109	33	+8.8%	Moderate
Green Bank	2	$1,071	33	+9.1%	Moderate
Ripley	2	$1,318	33	+8.6%	Moderate
Beech Bottom	1	$946	33	+8.0%	Moderate
Inwood	3	$1,297	33	+9.3%	Moderate
West Union	1	$1,117	33	+8.0%	Moderate
Harman	1	$1,192	33	+7.9%	Moderate
McMechen	1	$1,050	33	+7.9%	Moderate
Hedgesville	1	$1,374	33	+8.8%	Moderate
Gallipolis Ferry	1	$1,363	32	+9.6%	Moderate
Pine Grove	1	$1,062	32	+11.9%	Moderate
Martinsburg	4	$1,275	32	+9.3%	Moderate
Kenova	1	$1,367	32	+9.4%	Moderate
Middlebourne	2	$1,163	32	+9.7%	Moderate
Mannington	1	$1,193	32	+8.0%	Moderate
Ravenswood	2	$1,185	32	+9.6%	Moderate
Philippi	2	$1,280	32	+8.4%	Moderate
Wheeling	1	$1,317	32	+10.3%	Moderate
Fairview	2	$1,248	32	+11.0%	Moderate
Wellsburg	1	$1,179	32	+10.3%	Moderate
Fairlea	1	$1,125	32	+9.1%	Moderate
Gassaway	2	$1,226	32	+9.4%	Moderate
Buckhannon	2	$1,285	31	+8.0%	Moderate
Ellenboro	1	$1,153	31	+10.0%	Moderate
Durbin	1	$1,129	31	+11.0%	Moderate
Sutton	1	$1,278	31	+7.9%	Moderate
East Dailey	1	$1,213	31	+8.0%	Moderate
Mineralwells	2	$1,189	31	+8.0%	Moderate
Kanawha	2	$1,160	31	+8.3%	Moderate
Paden City	1	$1,029	31	+9.8%	Moderate
Cassville	1	$1,266	31	+10.5%	Moderate
Mullens	1	$1,191	31	+8.3%	Moderate
Terra Alta	1	$1,343	31	+13.5%	Moderate
Lost Creek	2	$1,235	31	+9.0%	Moderate
Glen Dale	1	$1,159	30	+8.5%	Moderate
Point Pleasant	1	$1,277	30	+10.1%	Moderate
Masontown	1	$1,293	30	+10.0%	Moderate
Petersburg	2	$1,215	30	+10.0%	Moderate
Kingwood	1	$1,164	30	+9.7%	Moderate
Salem	1	$1,211	30	+8.9%	Moderate
Craigsville	1	$1,085	29	+8.0%	Moderate
Camden-on-Gauley	1	$1,165	29	+8.0%	Moderate
Bath (Berkeley Springs)	1	$1,393	29	+8.8%	Moderate
Falling Waters	1	$1,329	29	+11.5%	Moderate
Parsons	1	$1,093	29	+8.9%	Moderate
Morgantown	1	$1,195	29	+8.0%	Moderate
Parkersburg	2	$1,130	29	+9.1%	Moderate
Thomas	1	$1,196	28	+8.0%	Moderate
Summersville	2	$1,265	28	+8.9%	Moderate
Grafton	2	$1,236	28	+10.8%	Moderate
New Martinsville	2	$1,106	28	+9.7%	Moderate
Friendly	1	$1,123	28	+10.3%	Moderate
Belmont	1	$966	28	+8.0%	Moderate
Crab Orchard	1	$1,181	27	+8.0%	Moderate
Farmington	1	$1,201	27	+8.5%	Moderate
Bridgeport	1	$1,322	27	+9.6%	Moderate
Fort Ashby	1	$1,131	27	+9.3%	Moderate
Sistersville	1	$1,146	26	+9.4%	Moderate
Franklin	2	$1,139	26	+13.3%	Moderate
Cheat Lake	1	$1,391	26	+8.0%	Moderate
Tunnelton	1	$1,159	26	+10.7%	Moderate
Lumberport	1	$1,145	26	+8.7%	Moderate
Fairmont	1	$1,141	25	+9.1%	Moderate
Washington	2	$1,172	25	+7.9%	Moderate
Westover	1	$1,179	25	+9.1%	Moderate
Vienna	1	$1,177	24	+8.2%	Moderate
Jane Lew	1	$1,188	21	+8.5%	Moderate
Boaz	1	$1,182	21	+7.9%	Moderate
Carpendale	1	$1,115	21	+8.6%	Moderate
Keyser	1	$1,101	20	+8.8%	Low
Pennsboro	1	$1,185	20	+10.0%	Low
St. Marys	1	$1,103	17	+7.9%	Low

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.