InsureWatch

26278

Elevated42

Womelsdorf (Coalton), West Virginia — Randolph County

Pop. 699Median Income $62,951Median Home $105,200
0/ 100Elevated Risk

2025 Estimated Premium

$1,231/yr

+8.0% from 2022 actual ($1,140)

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

Avg Premium (2022)

$1,140

-3.9%

2018–2025

Nonrenewal Rate

1.27%

2018–2022

Claim Frequency

5.1%

Avg Claim Amount

$4,272

Score Breakdown

Premium Level (25%)18
Premium Trend (20%)31
Nonrenewal Risk (20%)68
Storm Exposure (15%)74
Affordability (10%)34
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201816 events
Property damage$79,000
11 flood
19
20196 events
Property damage$1,059,000
4 flood
20
20207 events
Property damage$13,000
3 hail1 flood
21
20214 events
Property damage$15,000
1 hail3 flood
22
202213 events
Property damage$8,000
1 hail11 flood
23
20234 events
Property damage$1,700
1 flood
24
20246 events
Property damage$1,000
1 hail3 flood
25
202516 events
Property damage$9,150
10 flood

Nearby ZIP Codes

26293Valley Bend, WV
38Moderate
26257Womelsdorf (Coalton), WV
36Moderate
26237Rock Cave, WV
31Moderate
26280Mill Creek, WV
41Elevated
26267Womelsdorf (Coalton), WV
48Elevated

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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.