West Virginia County Foreclosure & Distress Reports (2026)
One report per county — 55 in West Virginia — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the West Virginia distress hub; insurance pressure is on the West Virginia home-insurance page.
55 West Virginia county reports sit in this archive; West Virginia opportunity phases run 18 early_signal, 18 weak, 8 peak_opportunity; West Virginia ninety-day delinquency 1.1%; 41 banks chartered in West Virginia; 7,875 HUD-assisted West Virginia units.
West Virginia counties to open first by opportunity rank: Marshall (#87, overheated); Kanawha (#124, strong_buy); Roane (#166, peak_opportunity) in West Virginia; Morgan (#256, peak_opportunity); Doddridge (#293, peak_opportunity); Tucker (#344, overheated).
West Virginia insurance bands across counties: 31 medium in West Virginia, 17 low, 5 zero, 2 high; West Virginia NFIP claims 799 in three years.
West Virginia counties in the expansion phase (51): Barbour, Boone, Braxton, Brooke, Cabell, Calhoun (West Virginia), Clay, Doddridge, Fayette, Gilmer, Grant, Greenbrier (West Virginia), Hampshire, Hancock, Hardy, Harrison, Jackson, Jefferson (West Virginia), Kanawha, Lewis, Lincoln, Logan, Marion, Mason (West Virginia), Mcdowell, Mercer, Mineral, Mingo, Monongalia, Monroe (West Virginia), Nicholas, Pendleton, Pleasants, Pocahontas, Preston, Putnam (West Virginia), Raleigh, Randolph, Ritchie, Roane, Summers, Taylor (West Virginia), Tucker, Tyler, Upshur, Wayne, Webster, Wetzel (West Virginia), Wirt, Wood, Wyoming.
West Virginia counties in the contraction phase (2): Marshall, Ohio.
West Virginia counties in the peak phase (2): Berkeley, Morgan.
West Virginia permitted 3,968 housing units in twelve months; 132,670 West Virginia units sit vacant of 861,325.
West Virginia counties highest on the national opportunity index: Marshall #87 (37.6/100, overheated); Kanawha #124 (36.8/100, strong_buy); Roane #166 (36.2/100, peak_opportunity) in West Virginia; Morgan #256 (35.3/100, peak_opportunity); Doddridge #293 (34.8/100, peak_opportunity); Tucker #344 (34.4/100, overheated) in West Virginia; Pleasants #389 (34.1/100, peak_opportunity); Hardy #515 (33.4/100, peak_opportunity); Brooke #515 (33.4/100, peak_opportunity) in West Virginia; Summers #545 (33.2/100, overheated); Wood #568 (33.1/100, peak_opportunity); Barbour #620 (32.8/100, peak_opportunity) in West Virginia.
How the West Virginia county reports are scored: each West Virginia report reads its county's foreclosure filings, West Virginia tax-lien and tax-deed records, FHA mortgage delinquency in West Virginia (ninety-day rate 1.1%, December 2025), the FDIC stress of West Virginia lenders (41 chartered in West Virginia) and FEMA/NFIP pressure on West Virginia (799 NFIP claims, three years), then scores every West Virginia ZIP 0-100.
Marshall County leads West Virginia on the opportunity index at #87 nationally with 10 scored ZIPs. Every West Virginia report is rebuilt monthly from public records; a West Virginia county whose data lapses keeps its West Virginia page and says so.