West Virginia Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 453 ZIP codes in West Virginia (WV).

The verdict

According to U.S. Treasury FIO filings, West Virginia ranks #49 of 51 by average premium ($1,167/yr) ≠ #36 of 50 by nonrenewal (0.88%). Cost rank is not withdrawal rank.

$1,167
State avg premium (#49 of 51): #36
Nonrenewal of 50 (0.88%): 26209
In-state premium ZIP #1 ($2,227): 25703
In-state nonrenewal ZIP #1 (1.19%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

West Virginia vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,167 Among the lowest premiums lower premium than 94% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in West Virginia pay an average of $1,167 per year for home insurance - 34% below the national average of $1,776. That ranks West Virginia as the 49th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums fell by 4.8%.

On five-year premium growth (2018–2022), West Virginia ranks 51st out of 51 states. Its nonrenewal rate (0.88%) ranks 36th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How West Virginia Compares

vs National Average

$1,167 vs $1,776

34% below national avg

Rank Among States

49th of 51

most expensive for homeowners insurance

Loss Ratio vs National

46.9% vs 58.0%

insurers retain more margin here

Avg Premium

$1,167/yr

National avg: $1,776 (-34% below)

Premium Change

-4.8%

2018-2022 change

Avg Loss Ratio

46.9%

Claims paid vs premiums earned

Nonrenewal Rate

0.88%

+5.8% change

Data Snapshot: West Virginia Homeowners Insurance

Across the 453 West Virginia ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,167. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. That is 34% below the national average of $1,776 per year reported by the Federal Insurance Office. West Virginia ranks 49th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $814 in 26534 to $2,227 in 26209.

Between 2018 and 2022, average premiums fell by 4.8% in West Virginia, placing the state 51st nationally on five-year premium growth. The state-level loss ratio averaged 46.9%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.88% across the ZIP codes that report one (70% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a climb of 5.8% over the study period (ranking 36th out of 50 states).

Within West Virginia, premium dispersion across ZIP codes is substantial: the most expensive ZIP (26209 in Snowshoe) charges 174% more than the least expensive (26534 in Granville), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: West Virginia

West Virginia statewide - FIO 2018-2022 average: 47% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

453

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,227	$1,200	48.1%	3.22%	0.83%
2019	$1,215 (-1.0%)	$1,189	41.7%	3.04%	0.65%
2020	$1,192 (-1.9%)	$1,168	51.9%	3.21%	0.65%
2021	$1,176 (-1.3%)	$1,159	42.1%	2.79%	0.82%
2022	$1,167 (-0.7%)	$1,144	46.9%	3.03%	0.88%

Average homeowners premium per year in West Virginia.

Most Expensive ZIP Codes in West Virginia

White Sulphur Springs, WV

Shenandoah Junction, WV

Most Affordable ZIP Codes in West Virginia

All ZIP Codes in West Virginia

453 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
26209	Snowshoe	$2,227	4.1%	1.11%	N/A
24986	White Sulphur Springs	$1,930	55.9%	3.32%	0.51%
26291	Slatyfork	$1,759	6.4%	1.28%	1.28%
25442	Shenandoah Junction	$1,679	54.2%	2.47%	0.62%
25843	Ghent	$1,621	26.4%	1.87%	1.33%
25314	Charleston	$1,592	21.1%	3.79%	0.70%
25304	Charleston	$1,587	22.4%	3.17%	0.85%
25832	Daniels	$1,553	90.9%	2.97%	0.86%
25446	Summit Point	$1,533	13.8%	3.06%	0.61%
25443	Shepherdstown	$1,530	32.1%	4.34%	0.36%
26260	Davis	$1,495	18.8%	1.29%	0.24%
25414	Charles Town	$1,482	44.6%	3.43%	0.77%
25425	Harpers Ferry	$1,479	29.5%	3.36%	0.50%
25701	Huntington	$1,460	36.6%	4.83%	0.58%
25430	Kearneysville	$1,440	54.1%	3.11%	0.59%
25922	Spanishburg	$1,437	5.7%	4.69%	N/A
25555	Prichard	$1,430	2.8%	1.42%	0.71%
26817	Bloomery	$1,421	3.1%	2.00%	1.00%
26036	Dallas	$1,406	320.5%	10.58%	N/A
25174	Rock Creek	$1,401	12.7%	3.45%	N/A
24733	Lashmeet	$1,400	27.7%	2.68%	1.79%
25625	Holden	$1,400	11.2%	2.40%	1.20%
25514	Fort Gay	$1,398	11.6%	1.07%	0.21%
25140	Naoma	$1,397	17.4%	3.08%	1.54%
26865	Yellow Spring	$1,397	9.2%	2.72%	N/A
25504	Barboursville	$1,393	23.9%	3.56%	0.52%
25311	Charleston	$1,392	65.6%	4.67%	0.60%
25674	Kermit	$1,389	211.1%	4.78%	0.74%
25638	Omar	$1,388	1.2%	2.17%	2.17%
25545	Ona	$1,385	54.2%	5.69%	0.52%
25601	Logan	$1,378	29.1%	2.62%	1.31%
25529	Julian	$1,378	29.6%	4.85%	N/A
25621	Gilbert	$1,371	332.6%	3.61%	0.60%
25517	Genoa	$1,365	36.2%	1.96%	N/A
26372	Horner	$1,364	45.7%	3.47%	1.39%
25081	Foster	$1,363	0.2%	0.45%	N/A
26810	Lost City	$1,356	2.3%	0.85%	N/A
25508	Chapmanville	$1,356	30.2%	2.19%	1.13%
25285	Wallback	$1,351	4.7%	1.28%	3.85%
25248	Kenna	$1,347	27.0%	3.02%	0.75%
25570	Wayne	$1,342	14.9%	1.52%	0.76%
24712	Athens	$1,341	25.1%	4.08%	N/A
26801	Baker	$1,339	29.8%	1.95%	0.78%
26711	Capon Bridge	$1,338	21.4%	2.40%	0.75%
25049	Comfort	$1,326	23.8%	3.23%	N/A
25559	Salt Rock	$1,325	171.1%	2.69%	1.79%
26562	Burton	$1,323	6.0%	1.03%	N/A
25526	Hurricane	$1,320	33.1%	4.44%	0.42%
25209	Whitesville	$1,320	17.3%	3.75%	N/A
26808	High View	$1,314	39.1%	3.19%	0.53%
25560	Scott Depot	$1,314	35.6%	4.01%	0.32%
25535	Lavalette	$1,314	38.3%	2.00%	N/A
25652	Whitman	$1,313	6.1%	0.80%	0.80%
25628	Kistler	$1,313	124.9%	1.85%	1.85%
24925	Caldwell	$1,311	170.6%	9.12%	1.09%
25301	Charleston	$1,310	6.3%	1.44%	0.72%
25507	Ceredo	$1,310	20.8%	3.45%	1.15%
26276	Kerens	$1,308	N/A	N/A	N/A
26060	Valley Grove	$1,305	224.4%	5.12%	N/A
24957	Maxwelton	$1,304	16.5%	2.56%	N/A
25671	Dingess	$1,302	N/A	N/A	N/A
25705	Huntington	$1,302	30.0%	4.06%	0.55%
25608	Baisden	$1,300	6.9%	0.90%	0.90%
25437	Points	$1,300	34.4%	1.32%	N/A
25053	Danville	$1,296	14.6%	1.71%	0.43%
25617	Davin	$1,296	6.0%	0.44%	0.87%
26763	Springfield	$1,293	98.1%	5.82%	0.76%
25024	Bloomingrose	$1,290	-1.3%	N/A	N/A
25512	East Lynn	$1,289	26.5%	2.60%	N/A
26755	Rio	$1,289	285.6%	16.99%	N/A
25260	Mason	$1,289	143.8%	6.48%	N/A
26508	Morgantown	$1,288	99.4%	8.52%	0.38%
25403	Martinsburg	$1,288	34.2%	3.37%	0.62%
25564	Sod	$1,284	18.5%	1.83%	0.61%
25567	Sumerco	$1,281	14.8%	2.97%	N/A
25108	Hewett	$1,281	1.9%	1.16%	N/A
25557	Ranger	$1,281	5.3%	1.15%	1.15%
25411	Berkeley Springs	$1,281	24.3%	1.88%	0.47%
24851	Justice	$1,281	19.8%	4.29%	N/A
26273	Huttonsville	$1,279	81.5%	1.53%	N/A
25213	Winfield	$1,278	45.3%	5.15%	0.56%
26257	Coalton	$1,276	189.2%	1.52%	0.51%
25651	Wharncliffe	$1,275	39.3%	2.68%	N/A
25702	Huntington	$1,275	54.1%	4.07%	1.21%
25154	Peytona	$1,274	21.3%	1.72%	N/A
25841	Flat Top	$1,274	78.5%	4.03%	N/A
25820	Camp Creek	$1,270	3.2%	1.28%	N/A
25420	Gerrardstown	$1,269	46.0%	5.08%	0.69%
25573	Yawkey	$1,269	89.4%	2.99%	N/A
24976	Sinks Grove	$1,266	7.0%	2.05%	0.68%
26678	Mount Lookout	$1,266	5.3%	1.49%	N/A
25427	Hedgesville	$1,263	23.9%	2.64%	0.80%
25113	Ivydale	$1,262	10.3%	1.18%	N/A
25139	Mount Carbon	$1,262	9.0%	0.95%	N/A
25124	Liberty	$1,260	28.9%	2.34%	N/A
25506	Branchland	$1,257	66.2%	1.75%	2.01%
25669	Crum	$1,256	58.4%	4.21%	1.05%
25266	Newton	$1,256	20.7%	4.04%	N/A
26267	Ellamore	$1,255	73.8%	1.82%	N/A
25164	Procious	$1,254	N/A	N/A	N/A
25530	Kenova	$1,250	20.0%	1.22%	0.56%
25649	Verdunville	$1,249	28.1%	3.61%	1.55%
25245	Given	$1,248	34.6%	6.35%	0.53%
25541	Milton	$1,247	71.2%	4.34%	0.54%
25121	Lake	$1,246	N/A	N/A	N/A
25503	Ashton	$1,244	3.7%	2.30%	N/A
25825	Cool Ridge	$1,244	208.1%	5.05%	0.81%
25287	West Columbia	$1,243	8.2%	N/A	N/A
25444	Slanesville	$1,243	21.2%	2.92%	0.58%
25515	Gallipolis Ferry	$1,243	112.8%	4.24%	0.35%
26722	Green Spring	$1,243	23.1%	1.65%	0.83%
25703	Huntington	$1,242	59.9%	8.93%	1.19%
25502	Apple Grove	$1,242	50.8%	3.85%	1.54%
25130	Madison	$1,241	27.2%	2.30%	1.15%
25265	New Haven	$1,241	122.1%	4.66%	N/A
25678	Matewan	$1,241	11.2%	1.35%	0.45%
26704	Augusta	$1,240	31.5%	3.93%	0.35%
24977	Smoot	$1,240	N/A	N/A	1.59%
25302	Charleston	$1,239	81.3%	4.36%	0.74%
25537	Lesage	$1,239	38.6%	3.68%	N/A
25989	White Oak	$1,237	109.4%	3.88%	1.94%
25670	Delbarton	$1,237	61.9%	4.17%	1.22%
25521	Griffithsville	$1,236	8.2%	1.89%	0.94%
25309	South Charleston	$1,235	69.7%	2.71%	0.52%
25253	Letart	$1,235	21.6%	2.06%	0.69%
25422	Great Cacapon	$1,234	29.2%	1.65%	0.94%
25434	Paw Paw	$1,234	74.8%	2.03%	0.20%
26845	Old Fields	$1,233	8.5%	2.30%	N/A
26525	Bruceton Mills	$1,232	24.6%	3.05%	0.85%
26039	Glen Easton	$1,228	16.7%	2.54%	N/A
25646	Stollings	$1,228	127.9%	16.67%	1.04%
25630	Lorado	$1,228	8.7%	2.38%	1.19%
26059	Triadelphia	$1,227	36.8%	4.71%	0.15%
25165	Racine	$1,226	529.0%	3.66%	N/A
25704	Huntington	$1,225	37.3%	2.86%	0.93%
25639	Peach Creek	$1,225	N/A	N/A	1.00%
25043	Clay	$1,224	15.5%	4.40%	N/A
25003	Alum Creek	$1,224	19.7%	2.86%	0.95%
25202	Tornado	$1,222	14.2%	3.10%	2.07%
25181	Seth	$1,222	1.2%	1.44%	N/A
25523	Hamlin	$1,221	123.1%	3.46%	N/A
25969	Jumping Branch	$1,221	8.6%	1.77%	1.33%
25635	Man	$1,220	54.8%	3.35%	0.42%
25252	Le Roy	$1,220	15.8%	1.84%	1.23%
26852	Purgitsville	$1,216	8.8%	2.40%	N/A
25813	Beaver	$1,215	16.6%	1.58%	1.05%
25971	Lerona	$1,215	6.1%	2.25%	0.90%
26448	Wallace	$1,213	14.9%	1.34%	0.67%
26447	Walkersville	$1,213	183.3%	2.00%	0.67%
26263	Dryfork	$1,211	46.7%	3.13%	0.63%
24901	Lewisburg	$1,211	51.7%	4.64%	0.68%
25854	Hico	$1,210	31.8%	3.85%	0.55%
25082	Fraziers Bottom	$1,210	23.1%	3.82%	0.95%
26651	Summersville	$1,209	20.6%	1.81%	0.35%
25661	Williamson	$1,207	75.1%	2.48%	0.52%
26330	Bridgeport	$1,206	40.2%	3.07%	0.35%
26405	Moatsville	$1,206	39.1%	3.35%	N/A
25313	Charleston	$1,205	86.1%	4.44%	0.54%
26283	Montrose	$1,204	10.2%	1.28%	0.32%
25817	Bolt	$1,204	24.6%	3.36%	N/A
24740	Princeton	$1,204	20.1%	2.67%	0.60%
25524	Harts	$1,203	1.3%	N/A	1.18%
25865	Lester	$1,203	22.9%	1.90%	0.95%
25510	Culloden	$1,202	26.2%	3.66%	1.09%
25917	Scarbro	$1,201	101.9%	4.67%	1.17%
26271	Hendricks	$1,200	N/A	N/A	N/A
24844	Iaeger	$1,200	20.8%	1.16%	N/A
25286	Walton	$1,199	22.4%	3.37%	1.12%
25862	Lansing	$1,199	5.4%	1.52%	N/A
26662	Canvas	$1,198	47.7%	4.30%	N/A
25844	Glen Daniel	$1,197	17.9%	2.84%	N/A
24822	Clear Fork	$1,197	15.6%	3.61%	1.20%
24945	Greenville	$1,196	1.1%	0.98%	N/A
25647	Switzer	$1,195	N/A	N/A	1.54%
25676	Lenore	$1,195	83.3%	1.85%	0.62%
24747	Rock	$1,194	40.0%	3.79%	0.27%
26003	Wheeling	$1,194	49.2%	5.70%	0.47%
26705	Aurora	$1,193	89.8%	1.86%	0.47%
25419	Falling Waters	$1,192	24.6%	2.84%	0.58%
25839	Fairdale	$1,191	25.4%	2.50%	0.42%
24818	Brenton	$1,189	416.4%	3.82%	N/A
24839	Hanover	$1,188	55.5%	3.23%	N/A
24927	Cass	$1,188	N/A	N/A	2.22%
26035	Colliers	$1,187	32.4%	3.07%	N/A
25312	Charleston	$1,185	52.4%	6.34%	0.36%
25840	Fayetteville	$1,184	12.4%	2.05%	0.85%
26601	Sutton	$1,184	44.4%	1.30%	0.65%
26764	Terra Alta	$1,184	11.0%	1.45%	0.18%
24931	Crawley	$1,183	221.9%	11.81%	1.27%
26851	Wardensville	$1,178	53.1%	4.49%	1.07%
25606	Accoville	$1,178	141.1%	2.38%	0.79%
25271	Ripley	$1,177	36.1%	3.37%	0.41%
26519	Albright	$1,177	19.2%	1.97%	N/A
25162	Pratt	$1,176	125.7%	6.00%	N/A
26542	Masontown	$1,176	449.4%	15.35%	0.43%
26250	Belington	$1,176	31.5%	1.82%	1.46%
26033	Cameron	$1,175	27.0%	3.20%	1.37%
25136	Montgomery	$1,173	32.6%	2.70%	1.35%
25978	Nimitz	$1,170	N/A	N/A	N/A
26440	Thornton	$1,167	344.8%	4.65%	0.58%
26623	Frametown	$1,164	65.7%	2.91%	0.58%
26739	Mount Storm	$1,163	11.9%	2.43%	N/A
25118	Kimberly	$1,162	N/A	N/A	N/A
25123	Leon	$1,162	42.2%	2.76%	1.15%
25547	Pecks Mill	$1,161	214.5%	2.33%	N/A
26408	Mount Clare	$1,161	15.9%	2.78%	0.59%
25438	Ranson	$1,160	38.3%	4.35%	0.87%
25801	Beckley	$1,160	24.1%	2.88%	0.92%
25550	Point Pleasant	$1,159	28.4%	3.85%	0.61%
26743	New Creek	$1,159	93.5%	2.79%	0.93%
26818	Fisher	$1,158	391.6%	2.46%	N/A
25234	Arnoldsburg	$1,157	5.7%	1.98%	N/A
25880	Mount Hope	$1,157	39.2%	3.75%	0.37%
25071	Elkview	$1,156	93.9%	5.40%	0.64%
26416	Philippi	$1,155	9.9%	2.28%	0.44%
25571	West Hamlin	$1,154	9.8%	2.21%	N/A
25979	Pipestem	$1,153	5.1%	1.18%	0.59%
25413	Bunker Hill	$1,152	33.5%	3.20%	0.82%
25045	Clendenin	$1,152	24.2%	3.26%	0.42%
26347	Flemington	$1,152	2.7%	1.04%	1.04%
25520	Glenwood	$1,150	52.1%	1.49%	0.75%
26160	Palestine	$1,148	18.5%	4.52%	1.94%
24983	Union	$1,147	3.9%	2.07%	N/A
26541	Maidsville	$1,146	24.3%	1.19%	0.30%
25276	Spencer	$1,146	40.5%	2.73%	0.63%
26294	Valley Head	$1,145	15.4%	2.99%	1.49%
26590	Wana	$1,144	2.2%	0.97%	N/A
25405	Martinsburg	$1,143	83.9%	4.60%	0.48%
26710	Burlington	$1,142	20.0%	1.58%	0.95%
25009	Ashford	$1,142	41.1%	1.63%	1.63%
25918	Shady Spring	$1,142	19.6%	2.24%	0.53%
25428	Inwood	$1,140	39.7%	3.91%	0.72%
26278	Mabie	$1,140	19.0%	5.06%	1.27%
25241	Evans	$1,140	15.7%	1.96%	0.25%
26342	Coxs Mills	$1,139	23.1%	4.55%	N/A
24946	Hillsboro	$1,139	85.7%	1.05%	0.70%
25831	Danese	$1,139	32.6%	3.00%	0.50%
24910	Alderson	$1,138	20.6%	1.13%	1.13%
25067	East Bank	$1,138	6.6%	1.07%	N/A
26034	Chester	$1,136	67.1%	2.32%	1.48%
25837	Edmond	$1,134	18.9%	5.08%	N/A
26374	Independence	$1,134	45.9%	1.82%	N/A
25303	South Charleston	$1,134	24.9%	3.80%	0.59%
26812	Mathias	$1,133	21.3%	1.19%	N/A
24701	Bluefield	$1,133	29.8%	2.65%	1.04%
25565	Spurlockville	$1,133	N/A	N/A	N/A
26425	Rowlesburg	$1,132	6.4%	1.85%	0.62%
25239	Cottageville	$1,128	6.5%	1.67%	0.67%
25871	Mabscott	$1,128	N/A	N/A	3.13%
24874	Pineville	$1,126	9.7%	1.35%	1.08%
25063	Duck	$1,126	21.1%	5.19%	N/A
25262	Millwood	$1,125	5.8%	2.63%	N/A
26206	Cowen	$1,124	17.3%	3.29%	N/A
24873	Paynesville	$1,123	N/A	N/A	1.64%
26253	Beverly	$1,123	66.3%	3.78%	0.66%
26241	Elkins	$1,123	36.8%	3.47%	0.64%
25404	Martinsburg	$1,122	28.6%	3.21%	0.64%
26280	Mill Creek	$1,122	40.3%	1.61%	1.21%
26521	Blacksville	$1,120	N/A	N/A	N/A
26833	Maysville	$1,120	23.0%	2.24%	N/A
26050	Newell	$1,120	139.2%	3.43%	N/A
25320	Charleston	$1,120	32.4%	2.78%	0.64%
25938	Victor	$1,119	62.6%	4.65%	0.93%
25264	Mount Alto	$1,119	194.9%	10.96%	N/A
26585	Metz	$1,116	23.3%	2.60%	N/A
25007	Arnett	$1,116	14.9%	3.03%	1.52%
25270	Reedy	$1,116	31.2%	2.17%	N/A
26147	Grantsville	$1,116	39.5%	1.69%	0.42%
25401	Martinsburg	$1,116	36.5%	4.36%	0.92%
26180	Walker	$1,116	75.0%	6.65%	0.26%
26337	Cairo	$1,113	10.4%	2.72%	N/A
26254	Bowden	$1,113	10.0%	1.11%	N/A
26679	Mount Nebo	$1,113	34.7%	2.62%	0.26%
26426	Salem	$1,112	6.7%	2.07%	0.36%
26320	Alma	$1,111	30.1%	3.65%	N/A
25836	Eccles	$1,110	0.8%	1.67%	N/A
24951	Lindside	$1,109	17.8%	1.32%	0.33%
25823	Coal City	$1,109	105.5%	3.06%	0.31%
25976	Meadow Bridge	$1,109	9.2%	2.33%	0.33%
24941	Gap Mills	$1,108	42.2%	2.55%	0.51%
26150	Mineral Wells	$1,108	19.7%	2.77%	0.58%
26292	Thomas	$1,108	19.1%	4.65%	0.78%
25159	Poca	$1,108	17.4%	2.37%	0.52%
26335	Burnsville	$1,108	35.9%	5.15%	0.74%
26575	Hundred	$1,107	18.5%	3.51%	0.88%
26505	Morgantown	$1,107	27.5%	2.80%	0.66%
26571	Farmington	$1,107	23.9%	2.60%	0.26%
26351	Glenville	$1,106	54.4%	1.54%	1.03%
26570	Fairview	$1,106	19.4%	2.12%	0.38%
24870	Oceana	$1,106	101.1%	3.14%	1.93%
26847	Petersburg	$1,106	72.6%	5.81%	0.59%
26385	Lost Creek	$1,105	52.5%	2.76%	0.39%
26582	Mannington	$1,105	90.2%	2.69%	0.58%
26270	Harman	$1,104	16.0%	2.67%	N/A
26238	Volga	$1,104	1.7%	1.48%	0.74%
26855	Cabins	$1,102	2.1%	0.78%	0.78%
26757	Romney	$1,102	43.4%	2.85%	0.57%
25882	Mullens	$1,100	6.2%	0.98%	0.66%
25039	Cedar Grove	$1,100	87.5%	8.26%	N/A
25031	Boomer	$1,098	0.2%	1.14%	1.14%
24966	Renick	$1,097	7.9%	1.29%	0.86%
26031	Benwood	$1,097	15.2%	3.40%	0.68%
25168	Red House	$1,096	143.1%	3.74%	0.51%
25275	Sandyville	$1,096	99.3%	2.69%	0.27%
26032	Bethany	$1,095	13.7%	2.78%	N/A
26187	Williamstown	$1,095	24.0%	4.08%	0.12%
26378	Jane Lew	$1,095	118.9%	2.32%	0.35%
25315	Charleston	$1,095	38.3%	2.97%	0.92%
25901	Oak Hill	$1,095	33.0%	2.99%	0.98%
25827	Crab Orchard	$1,094	52.7%	1.95%	0.65%
25085	Gauley Bridge	$1,094	76.0%	5.75%	3.45%
26169	Rockport	$1,093	38.1%	4.65%	0.78%
26047	New Cumberland	$1,092	7.3%	1.71%	1.00%
25015	Belle	$1,091	46.4%	3.50%	0.58%
26178	Smithville	$1,090	N/A	N/A	N/A
25033	Buffalo	$1,089	73.7%	4.47%	0.74%
25868	Lookout	$1,089	90.6%	1.22%	N/A
26714	Delray	$1,088	142.6%	13.27%	0.88%
24938	Frankford	$1,088	5.1%	1.19%	N/A
26105	Vienna	$1,088	19.8%	2.99%	0.48%
26343	Crawford	$1,087	N/A	N/A	2.27%
26202	Fenwick	$1,087	5.2%	0.91%	1.82%
26181	Washington	$1,087	31.2%	2.86%	0.30%
26836	Moorefield	$1,086	33.6%	3.21%	0.62%
24934	Dunmore	$1,086	263.9%	2.46%	N/A
26184	Waverly	$1,086	41.1%	5.59%	1.20%
25501	Alkol	$1,085	2.9%	1.42%	1.42%
26547	Reedsville	$1,085	19.2%	3.46%	0.33%
25607	Amherstdale	$1,085	24.3%	3.45%	N/A
26133	Belleville	$1,084	25.3%	3.73%	0.75%
26234	Rock Cave	$1,083	22.2%	3.24%	0.93%
26501	Morgantown	$1,081	17.6%	2.26%	0.45%
26208	Camden On Gauley	$1,079	50.9%	2.86%	N/A
26415	Pennsboro	$1,077	14.5%	1.39%	0.60%
26750	Piedmont	$1,077	1.2%	1.72%	1.72%
26624	Gassaway	$1,076	41.0%	3.62%	0.52%
26574	Grant Town	$1,076	9.8%	2.83%	N/A
25951	Hinton	$1,076	19.6%	1.67%	0.69%
24918	Ballard	$1,076	9.1%	2.17%	1.81%
24924	Buckeye	$1,076	2.8%	2.75%	N/A
25306	Charleston	$1,076	115.0%	5.60%	1.14%
26591	Worthington	$1,075	128.5%	0.75%	0.75%
25110	Hugheston	$1,075	58.6%	5.77%	1.92%
26581	Littleton	$1,075	3.9%	1.57%	N/A
26588	Rivesville	$1,074	94.2%	1.43%	1.27%
25143	Nitro	$1,073	62.2%	4.02%	0.83%
25107	Hernshaw	$1,073	N/A	N/A	1.35%
26520	Arthurdale	$1,072	12.3%	2.88%	N/A
26410	Newburg	$1,071	7.6%	2.16%	2.16%
26070	Wellsburg	$1,069	50.1%	3.21%	0.69%
25086	Glasgow	$1,069	21.9%	2.11%	0.70%
26038	Glen Dale	$1,068	27.4%	2.86%	0.57%
26218	French Creek	$1,068	99.7%	3.46%	1.22%
25921	Sophia	$1,068	6.4%	2.28%	0.98%
25932	Surveyor	$1,068	4.8%	2.90%	N/A
26164	Ravenswood	$1,067	52.7%	3.66%	0.71%
26563	Carolina	$1,067	14.6%	1.54%	1.54%
26062	Weirton	$1,066	34.9%	3.56%	0.74%
25878	Midway	$1,066	40.4%	3.73%	2.48%
26354	Grafton	$1,064	31.6%	1.39%	0.62%
25064	Dunbar	$1,063	26.2%	3.27%	0.57%
25186	Smithers	$1,061	N/A	N/A	N/A
24935	Forest Hill	$1,061	9.3%	0.78%	N/A
26537	Kingwood	$1,061	33.5%	2.56%	0.68%
26037	Follansbee	$1,056	27.8%	2.53%	0.77%
26431	Shinnston	$1,056	15.0%	1.87%	0.44%
26293	Valley Bend	$1,056	10.6%	1.55%	1.55%
26288	Webster Springs	$1,055	2.5%	1.74%	1.00%
26681	Nettie	$1,054	27.3%	3.02%	N/A
26386	Lumberport	$1,053	35.5%	2.37%	0.26%
24954	Marlinton	$1,050	4.7%	0.77%	0.93%
25070	Eleanor	$1,049	112.9%	8.66%	1.03%
26346	Ellenboro	$1,048	8.7%	0.71%	0.71%
26175	Sistersville	$1,048	25.3%	3.54%	0.15%
26716	Eglon	$1,048	40.6%	3.48%	N/A
26444	Tunnelton	$1,047	41.9%	2.73%	0.42%
26104	Parkersburg	$1,047	29.4%	3.71%	0.51%
24981	Talcott	$1,046	8.5%	0.91%	N/A
25812	Ansted	$1,046	28.5%	4.05%	0.45%
24892	War	$1,046	173.7%	2.00%	2.00%
26554	Fairmont	$1,046	39.9%	2.45%	0.51%
26452	Weston	$1,043	29.7%	1.44%	1.05%
25011	Bancroft	$1,042	15.8%	2.80%	0.93%
26815	Sugar Grove	$1,041	2.8%	0.52%	N/A
24963	Peterstown	$1,040	10.4%	1.28%	0.70%
25958	Charmco	$1,039	0.8%	1.19%	1.19%
26055	Proctor	$1,039	33.7%	3.76%	0.29%
26717	Elk Garden	$1,036	2.5%	0.65%	N/A
25040	Charlton Heights	$1,036	8.9%	3.10%	N/A
26456	West Union	$1,035	118.9%	1.58%	0.59%
26719	Fort Ashby	$1,035	29.5%	2.34%	0.44%
25177	Saint Albans	$1,034	40.1%	3.53%	0.66%
24970	Ronceverte	$1,031	14.3%	1.72%	0.43%
24801	Welch	$1,030	37.2%	4.27%	1.07%
26559	Barrackville	$1,028	13.7%	2.57%	0.96%
26237	Tallmansville	$1,027	6.7%	2.50%	0.83%
26142	Davisville	$1,027	28.6%	2.62%	1.05%
26753	Ridgeley	$1,027	22.2%	3.60%	0.50%
26101	Parkersburg	$1,025	62.1%	3.25%	0.89%
26170	Saint Marys	$1,022	44.5%	2.79%	0.26%
26146	Friendly	$1,018	48.9%	4.63%	0.46%
26264	Durbin	$1,017	N/A	N/A	0.95%
25267	Normantown	$1,016	72.3%	2.54%	N/A
25103	Hansford	$1,015	6.3%	1.64%	N/A
26201	Buckhannon	$1,015	20.9%	2.64%	0.46%
25208	Wharton	$1,014	29.7%	2.83%	0.94%
24827	Cyclone	$1,014	11.2%	1.09%	N/A
25984	Rupert	$1,013	28.0%	3.00%	0.50%
26726	Keyser	$1,012	35.8%	2.50%	0.24%
26149	Middlebourne	$1,010	15.7%	3.00%	0.23%
26610	Birch River	$1,006	193.7%	N/A	N/A
26205	Craigsville	$1,005	11.6%	1.86%	0.70%
26287	Parsons	$1,004	94.9%	1.62%	0.72%
26301	Clarksburg	$1,001	19.7%	2.78%	0.98%
24915	Arbovale	$998	N/A	N/A	0.93%
24868	Northfork	$997	N/A	N/A	1.23%
25962	Rainelle	$997	30.7%	2.51%	1.35%
26338	Camden	$996	10.8%	3.80%	N/A
26587	Rachel	$994	12.2%	1.59%	1.59%
26041	Moundsville	$989	37.0%	2.92%	0.72%
26269	Hambleton	$989	13.2%	2.15%	1.08%
26261	Richwood	$989	10.1%	1.47%	0.59%
26369	Hepzibah	$987	9.8%	1.16%	3.49%
25035	Cabin Creek	$985	10.5%	0.71%	N/A
26362	Harrisville	$984	18.5%	2.62%	0.40%
24920	Bartow	$983	13.3%	1.49%	N/A
26155	New Martinsville	$978	27.9%	2.81%	0.23%
26040	Mcmechen	$973	19.2%	5.51%	0.83%
25981	Quinwood	$970	N/A	N/A	N/A
26767	Wiley Ford	$970	124.7%	3.13%	1.88%
26075	Windsor Heights	$970	2.4%	1.06%	N/A
26143	Elizabeth	$969	45.6%	3.36%	0.58%
25214	Winifrede	$969	N/A	N/A	1.14%
26807	Franklin	$969	55.6%	1.27%	0.13%
25161	Powellton	$968	26.8%	3.64%	1.82%
25818	Bradley	$967	3.6%	1.09%	N/A
25904	Pax	$965	N/A	N/A	N/A
24944	Green Bank	$964	72.1%	1.97%	N/A
26802	Brandywine	$962	6.1%	1.57%	N/A
24857	Lynco	$962	75.0%	6.80%	0.97%
25109	Hometown	$961	17.2%	2.65%	0.88%
26451	West Milford	$952	9.7%	2.63%	N/A
26419	Pine Grove	$949	105.0%	2.30%	0.57%
26568	Enterprise	$948	9.4%	1.20%	2.41%
25873	Mac Arthur	$939	8.3%	0.86%	1.72%
26159	Paden City	$937	31.4%	1.89%	0.52%
25036	Cannelton	$924	497.2%	12.70%	N/A
26576	Idamay	$920	14.3%	2.86%	N/A
26866	Upper Tract	$918	24.6%	1.49%	N/A
26134	Belmont	$895	7.7%	2.11%	N/A
26030	Beech Bottom	$876	39.7%	2.82%	N/A
26167	Reader	$868	10.7%	2.92%	N/A
26534	Granville	$814	65.3%	2.20%	N/A

West Virginia Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How West Virginia compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in West Virginia

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to West Virginia ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

58.2

36th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on West Virginia FIO ZIPs

Most common top hazard

Cold Wave

22 of 55 counties

Highest FEMA NRI counties in West Virginia
County	Risk score	Rating	Top hazard
Kanawha	94.5	Relatively High	Heat Wave
Cabell	85.4	Relatively Moderate	Heat Wave
Wood	79.8	Relatively Low	Heat Wave

Counties with elevated FEMA hazard ratings in West Virginia
Hazard	Elevated counties	Share of joined
Flooding	1	2%
Winter weather	1	2%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for West Virginia: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,167/yr here).

Oregon $1,199/yr Utah $1,132/yr Pennsylvania $1,131/yr Wisconsin $1,224/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.88% here).

Delaware 0.88% Oklahoma 0.86% New Hampshire 0.89% Nevada 0.89%

Frequently Asked Questions

What is the average homeowners insurance cost in West Virginia? ▼

Averaged across the 453 West Virginia ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,167. This is 34% below the national average of $1,776.

How have insurance premiums changed in West Virginia? ▼

West Virginia homeowners insurance premiums changed by -4.8% between 2018 and 2022. The average loss ratio is 46.9%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in West Virginia? ▼

The most expensive ZIP code for homeowners insurance in West Virginia is 26209, with an average premium of $2,227/yr. The most affordable is 26534 at $814/yr.

What is the nonrenewal rate for West Virginia homeowners insurance? ▼

Averaged across the West Virginia ZIP codes that report one (70% of the state's ZIP codes), the nonrenewal rate is 0.88%. This rate has changed by +5.8% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 25703 has the highest nonrenewal rate in the state at 1.19%.

What is a loss ratio and what does West Virginia's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. West Virginia's average loss ratio is 46.9%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in West Virginia? ▼

The average claim frequency in West Virginia is 3.03%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $18,238. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in West Virginia? ▼

Across 55 FEMA National Risk Index counties that join to West Virginia ZIP codes in the FIO file, the mean county risk score is 58.2 (16% below the 50-state mean of 69.3). The most common county-level top hazard is Cold Wave (22 of 55 counties). Elevated (Relatively High or Very High) county ratings concentrate in Flooding (1), Winter weather (1). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

West Virginia in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

West Virginia ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

West Virginia Homeowners Insurance

How West Virginia Compares

Data Snapshot: West Virginia Homeowners Insurance

Loss Ratio Reading: West Virginia

Premium Trends (2018-2022)

Average premium in West Virginia, 2018–2022

Most Expensive ZIP Codes in West Virginia

Most Affordable ZIP Codes in West Virginia

All ZIP Codes in West Virginia

West Virginia Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related