Homeowners insurance in West Virginia: premium by ZIP code
West Virginia's median ZIP code premium fell -3.8% after inflation from 2018 to 2022, to $1,143 per policy.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, West Virginia (median ZIP code)
$1,143
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,522.
| Change from 2018 to 2022, after inflation | -4.7% |
| Premium per policy in 2018 | $1,199 |
| Premium per policy in 2022 | $1,143 |
| 2022 premium carried to September 2026 (BLS index) | $1,522 |
| Policies not renewed by the insurer, 2022 | 0.57% |
| Claims paid per 100 policies, yearly average | 2.6 |
| Average claim paid, 2018 to 2022 (adjusted) | $14,342 |
| Cancelled for nonpayment, 2022 | 2.85% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 456 ZIP codes in 55 counties of West Virginia in the Treasury file · not a quote
West Virginia is one of only a handful of states where the median homeowners premium per policy fell after inflation in the Treasury file: from $1,199 in 2018 to $1,143 in 2022, -3.8%, ranked 47 of 51 for level. Every large county fell: Kanawha County, Charleston, -6.7% to $1,127; Raleigh County, Beckley, -6.1%; Logan County -15.9%. Insurers' losses were among the lowest in the country: paid claims of 2.6 per 100 policies a year, ranked 49 of 51, and a paid loss ratio between 19% and 25%. The weak point is nonpayment: 2.85% of policies were cancelled for it, nearly double the national 1.47%. The range is narrow, from under $1,014 to over $1,324. The West Virginia Essential Property Insurance Association writes homes declined elsewhere. Flood, the state's main disaster risk, is separate. The data stop in 2022.
Charleston and the southern counties
Kanawha County had 30 ZIP codes in the file and a median of $1,127 in 2022. Raleigh County paid $1,157, Fayette County $1,103 and Logan County $1,246, after the steepest fall of the large counties, -15.9%. Falling premiums in the southern coalfields may go with falling house values and a shrinking population; the premium per policy follows the dwelling limits of the houses insured.
The highlands and Morgantown
The dearest ZIP codes were in the mountain counties, 26209 in Pocahontas County, around Snowshoe, at $2,227 and 24986 in Greenbrier County at $1,930. The cheapest were 26534 in Monongalia County, near Morgantown, at $814 and 26167 in Wetzel County at $868. Mountain houses far from a fire station often pay more for that reason, since insurers rate the distance to the nearest station and hydrant.
Escrow or direct payment: a renewal increase
Example, not your result yet· change a figure to see yours
Monthly escrow change in the first year, up to
+$38
| Shortage, cushion included, up to | $245 |
| Escrow deposit before | $170 |
| Escrow deposit after the first year | $188 |
Nonpayment cancellations
A policy cancelled for nonpayment leaves a gap that the next insurer asks about, and with a mortgage it brings force-placed coverage at a much higher price. West Virginia's rate, 2.85%, is one of the highest in the country. Paying through escrow spreads the premium over twelve mortgage payments, and federal rules let a servicer spread a shortage after a renewal increase over a year, as the calculator above shows. The monthly cost page explains it.
Flood, the plan and the regulator
West Virginia's worst disasters are floods, such as June 2016 in Greenbrier and Kanawha counties. Flood from rising water is excluded from homeowners policies and needs its own policy; it does not appear in these figures. Nonrenewals were low, 0.57% in 2022. The West Virginia Essential Property Insurance Association writes a basic dwelling fire policy covering fire, lightning, wind and hail. The West Virginia Offices of the Insurance Commissioner handles complaints. Mine subsidence coverage, separate in some states, is required on West Virginia homeowners policies unless the owner waives it in writing.
West Virginia, year by year
| Year | West Virginia median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,199 | $1,445 | 0.42% | 2.6 | 21% |
| 2019 | $1,188 | $1,469 | 0.30% | 2.7 | 20% |
| 2020 | $1,166 | $1,491 | 0.22% | 2.7 | 22% |
| 2021 | $1,156 | $1,521 | 0.49% | 2.3 | 19% |
| 2022 | $1,143 | $1,551 | 0.57% | 2.6 | 25% |
The West Virginia counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Kanawha County | 30 | $1,225 | $1,127 | -6.7% | 0.65% | $15,182 |
| Raleigh County | 25 | $1,260 | $1,157 | -6.1% | 0.86% | $12,321 |
| Fayette County | 22 | $1,173 | $1,103 | -5.2% | 0.48% | $13,320 |
| Logan County | 17 | $1,474 | $1,246 | -15.9% | 1.04% | $15,507 |
| Greenbrier County | 14 | $1,131 | $1,118 | -1.1% | 0.63% | $11,816 |
| Hampshire County | 14 | $1,235 | $1,266 | +1.7% | 0.55% | $11,623 |
| Randolph County | 14 | $1,226 | $1,143 | -5.5% | 0.57% | $11,447 |
| Boone County | 13 | $1,312 | $1,281 | -6.9% | 0.00% | $23,161 |
Highest and lowest premiums per policy, West Virginia ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 26209 | Pocahontas County | $2,227 | +0.2% | 0.00% |
| 24986 | Greenbrier County | $1,930 | -3.9% | 0.51% |
| 26291 | Pocahontas County | $1,759 | -0.7% | 1.28% |
| 25442 | Jefferson County | $1,679 | +6.9% | 0.62% |
| 25843 | Raleigh County | $1,621 | -6.1% | 1.33% |
| 26534 | Monongalia County | $814 | -1.8% | 0.00% |
| 26167 | Wetzel County | $868 | -7.0% | 0.00% |
| 26030 | Brooke County | $876 | -16.6% | 0.00% |
| 26134 | Pleasants County | $895 | -10.0% | 0.00% |
| 26866 | Pendleton County | $918 | -2.6% | 0.00% |