Taxes & Insurance in Philippi
Philippi applies West Virginia's real 2026 4.58% top income tax alongside a remarkably low property tax rate and a real, disclosed flood-insurance consideration.
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Learn moreWest Virginia's real 2026 income tax rate
West Virginia's individual income tax carries a 5-bracket graduated structure up to a 4.58% top rate (all filing statuses, above $60,000 taxable income), applying in Philippi as statewide, alongside a full 100% Social Security exemption for tax year 2026 (base record).
Barbour County's remarkably low property tax rate
Ownwell cites Barbour County's median effective property tax rate at just 0.39% (a separate source cites 0.44%) -- well below both the national median (~1.02%) and even West Virginia's own already-low statewide median (~0.51%), with a notably low $327 median annual bill (base record).
A real, disclosed gap in Philippi-specific insurance data
No Philippi-specific homeowners-insurance premium figure was found this pass -- this record discloses West Virginia's statewide context instead: roughly $1,528-$2,465/year depending on coverage, genuinely favorable relative to national norms (base record).
A real, elevated flood-risk consideration for insurance
Philippi's real, disclosed extreme flood-risk profile (~49% of properties at risk of severe flooding over 30 years) means flood coverage -- typically requiring separate NFIP or private flood insurance -- deserves particular attention (base record).
Key takeaways
- West Virginia's top income tax rate is a real, current 4.58% (2026), applying in Philippi as statewide.
- Barbour County's property tax rate (Ownwell's cited 0.39%) runs remarkably low, even by West Virginia's own low standards.
- No Philippi-specific homeowners-insurance premium figure was found this pass -- a real, disclosed gap.
- Flood insurance deserves particular attention given the real, extreme, disclosed flood-risk profile.
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