InsureWatch

25107

Elevated51

Charleston, West Virginia — Kanawha County

Pop. 369Median Income $61,176Median Home $37,300
0/ 100Elevated Risk

2025 Estimated Premium

$1,159/yr

+8.0% from 2022 actual ($1,073)

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

Avg Premium (2022)

$1,073

+3.5%

2018–2025

Nonrenewal Rate

1.35%

2018–2022

Claim Frequency

0.0%

Avg Claim Amount

$0

Score Breakdown

Premium Level (25%)13
Premium Trend (20%)67
Nonrenewal Risk (20%)72
Storm Exposure (15%)95
Affordability (10%)31
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201847 events
Property damage$222,500
1 hail17 flood
19
201945 events
Property damage$1,406,900
2 tornado14 hail8 flood
20
202028 events
Property damage$692,000
4 hail7 flood
21
202126 events
Property damage$242,500
11 flood
22
202282 events
Property damage$1,108,750
6 hail16 flood
23
202343 events
Property damage$4,540,450
1 hail12 flood
24
202466 events
Property damage$781,950
5 tornado2 hail32 flood
25
202575 events
Property damage$44,700
21 hail29 flood

Nearby ZIP Codes

25009Racine, WV
47Elevated
25314Charleston, WV
45Elevated
25315Marmet, WV
43Elevated
25165Racine, WV
45Elevated
25003Alum Creek, WV
47Elevated

Compare home insurance quotes in Charleston, 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 Charleston, 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 Charleston, WV.

Compare this ZIP

See how 25107 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.