West Virginia Home-Insurance Distress by County

Home-insurance distress across West Virginia is well above the national norm: 55 counties average 50/100, 12th of 52 states.

16 of West Virginia's 55 counties score 70 or higher (severe).

West Virginia's reading rests on a FEMA hazard average of 47/100 and NFIP flood-claim stress of 56/100.

Over three years West Virginia counties filed 799 NFIP flood claims, $23,268,228 paid.

Highest in West Virginia: Ohio County 89/100 (#117 US), Kanawha County 88/100 (#150 US), Wetzel County 86/100 (#189 US), Boone County 86/100 (#194 US), Mercer County 84/100 (#257 US).

West Virginia counties by insurance band: 29 medium (West Virginia), 16 low, 5 high, 5 zero; West Virginia NFIP claims, three years: 799; West Virginia payouts $23.3 million.

West Virginia counties with the most NFIP claims: Ohio 111 ($4.4 million); Kanawha 89 ($1.2 million); Mingo 85 ($3.0 million) in West Virginia; Mcdowell 62 ($2.6 million); Logan 52 ($2.5 million).

West Virginia county average rose: 41.6 in March 2026; West Virginia reads 48.4 in October 2026; West Virginia by month: March 41.6, April 41.6, May 42.0 (West Virginia), June 42.0, July 40.7, August 42.5 (West Virginia), September 46.1, October 48.4.

Highest West Virginia ZIPs, insurance distress: 43213 0 (climate 98), 15207 0 (climate 98) in West Virginia, 43222 0 (climate 98), 15260 0 (climate 98) in West Virginia, 15031 0 (climate 98), 40213 0 (climate 98) in West Virginia.

Reading the West Virginia bands: 5 of 55 West Virginia counties sit in a high or worse insurance band; West Virginia filed 799 NFIP claims in three years, $23.3 million paid to West Virginia policyholders; a West Virginia county's band moves when FEMA hazard revisions, new West Virginia NFIP settlements or carrier filings change its monthly score.