InsureWatch

24966

Moderate39

Falling Spring, West Virginia — Greenbrier County

Pop. 1,031Median Income $56,193Median Home $112,700
0/ 100Moderate Risk

2025 Estimated Premium

$1,213/yr

+10.5% from 2022 actual ($1,097)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$1,097

-0.9%

2018–2025

Nonrenewal Rate

0.86%

2018–2022

Claim Frequency

1.3%

Avg Claim Amount

$6,751

Score Breakdown

Premium Level (25%)15
Premium Trend (20%)46
Nonrenewal Risk (20%)45
Storm Exposure (15%)71
Affordability (10%)40
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201818 events
Property damage$13,500
10 flood
19
20199 events
Property damage$25,000
1 hail2 flood
20
202016 events
Property damage$915,500
1 hail4 flood
21
202118 events
Property damage$77,060
10 flood
22
202245 events
Property damage$173,200
4 hail6 flood
23
202326 events
Property damage$80,500
8 flood
24
202420 events
Property damage$108,000
3 hail7 flood
25
202535 events
Property damage$33,000
3 hail23 flood

Nearby ZIP Codes

24938Falling Spring, WV
41Elevated
26261Richwood, WV
41Elevated
24957Lewisburg, WV
49Elevated
24946Hillsboro, WV
36Moderate
25984Rupert, WV
38Moderate

Compare home insurance quotes in Falling Spring, WV

See rates from top carriers. It takes 2 minutes and could save you hundreds.

The Zebra →Insurify →Policygenius →

Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.

Buying a home in Falling Spring, WV? Check mortgage rates

Compare rates from top lenders

Get alerts when your ZIP's risk changes

We'll email you when premiums spike, nonrenewal rates jump, or a major storm hits your area.

AI Risk Report

Get a detailed narrative analysis of this ZIP

Also from us: CrashWatch

See car crash data, road safety scores, and traffic fatality stats for Falling Spring, WV.

Compare this ZIP

See how 24966 stacks up against another ZIP code or city.

Compare Now

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.