West Virginia homeowners insurance cost
South region · NAIC 2022 HO-3 average · rank #40 of 51
The average annual homeowners insurance premium in West Virginia is about $1,113 for the standard HO-3 policy form (NAIC 2022 data, the latest available) — about 29% below the national average of $1,569. West Virginia ranks #40 of 51 states and DC (1 = most expensive), making it low on home-insurance cost, below the national average. The main local cost drivers are low catastrophe frequency, flooding, lower property values. This is a countrywide average, not a quote for your home.
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
West Virginia home insurance at a glance
| Figure | West Virginia |
|---|---|
| Average annual HO-3 premium | $1,113 |
| National average (HO-3) | $1,569 |
| vs national average | -29% (about 29% below the national average) |
| State rank (1 = most expensive of 51) | #40 |
| Cost band | Low (below the national average) |
| Region | South |
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
What drives home insurance cost in West Virginia
A homeowners premium mostly reflects how likely and how expensive a claim is. In West Virginia, the main factors behind the $1,113 average are:
- low catastrophe frequency
- flooding
- lower property values
On top of these location factors, your own premium swings with your home's rebuilding cost (Coverage A), roof age and material, deductible, claims history and, in most states, your insurance credit score. See our premium drivers guide for how each one moves the price.
Estimated West Virginia premium by dwelling coverage
A rough idea of how the West Virginia average scales with the amount of dwelling (Coverage A) you carry. These are illustrative estimates from the state average scaled by a coverage factor — not quotes.
| Dwelling coverage (Coverage A) | Estimated annual premium |
|---|---|
| $200,000 to $299,999 | $1,113 |
| $300,000 to $399,999 | $1,425 |
| $400,000 to $499,999 | $1,736 |
| $500,000 and over | $2,226 |
Source: Estimated from the NAIC 2022 West Virginia average and a coverage-scaling factor. Data as of June 2026.
For a tailored figure use the premium estimator. The scaling factors are an approximation documented on the methodology page, not published NAIC band data.
How West Virginia compares with similar states
| State | Avg HO-3 / yr | vs national |
|---|---|---|
| West Virginia (this state) | $1,113 | -29% |
| Vermont | $1,109 | -29% |
| Pennsylvania | $1,120 | -29% |
| Delaware | $1,103 | -30% |
| Alaska | $1,129 | -28% |
| Maine | $1,077 | -31% |
Frequently asked questions
How much is homeowners insurance in West Virginia?
The average annual homeowners (HO-3) premium in West Virginia is about $1,113, about 29% below the national average of $1,569 (NAIC 2022 data, the latest available). It ranks #40 of 51 states and DC, where 1 is the most expensive. This is a countrywide average, not a quote for your home.
Why is home insurance priced the way it is in West Virginia?
West Virginia's premiums are shaped mainly by low catastrophe frequency, flooding, lower property values. Catastrophe exposure (wind, hail, wildfire), rebuilding costs and claims history are the biggest levers on a homeowners premium. West Virginia is low versus the national average, below the national average.
Is West Virginia home insurance going up?
Yes, like most of the country. NAIC's latest report shows the national HO-3 average rose about 11.26% in 2022 year-over-year, driven by reconstruction-cost inflation and rising catastrophe losses. 2022 is the latest published data year, so current West Virginia premiums are likely higher than the figure shown. Verify with insurers.
Is the $1,113 figure a quote?
No. $1,113 is the NAIC 2022 countrywide average HO-3 premium for West Virginia - an average across all homes and insurers, not a quote for your property. Your actual premium depends on your home's value, age, construction, roof, deductible, claims history, credit and insurer. Always get real quotes.
Keep exploring
YMYL note. The $1,113 figure is the NAIC 2022 countrywide average for West Virginia - general information, not a quote. Homeowners insurance protects one of your largest assets; actual premiums vary widely by home and insurer. Always get real quotes from licensed insurers and verify coverage with your state insurance department.
Last updated: 2026-06-20