Affordable Home Insurance in West Virginia
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What drives home insurance rates in West Virginia
Average homeowners premium, 2023
$1,179
The average homeowners policy in West Virginia cost $1,179 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
62.8¢
Home insurers in West Virginia paid 62.8 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
177
NOAA logged 21 tornado, 34 large-hail and 122 flash-flood event reports in West Virginia in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#38
FEMA ranks West Virginia #38 of 51 for expected annual loss from natural hazards; flood accounts for 86% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in West Virginia
The ten insurer groups that wrote the most home premium in West Virginia in 2025, with their share of the state total of $658 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 29.19% | $192 million |
| 2 | Erie Insurance Group | 19.5% | $128 million |
| 3 | Liberty Mutual Group | 7.93% | $52 million |
| 4 | Allstate Insurance Group | 7.62% | $50 million |
| 5 | United Services Automobile Association Group | 6.12% | $40 million |
| 6 | Nationwide Corp Group | 6.02% | $40 million |
| 7 | Westfield Group | 3.42% | $23 million |
| 8 | Farmers & Mechanics Group | 3.16% | $21 million |
| 9 | Municipal Mutual Insurance Co. | 2.28% | $15 million |
| 10 | Farmers Insurance Group | 1.97% | $13 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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