Berkeley County, WV: Home-Insurance Distress & Forced-Sale Pressure
Berkeley County, WV: 27/100 (moderate) home-insurance distress; Berkeley, WV band LOW; Berkeley, WV #1,689 of 3,222 counties; Berkeley, WV #41 of 55 in West Virginia; raw Berkeley, WV 32.2; Berkeley, WV coverage multiplier 0.85.
FEMA hazard, Berkeley, WV: 0/100; Berkeley, WV declarations, three years: 3; Berkeley, WV five-year count 2 (severity 4.0); Berkeley, WV ten-year 2.
Declared incidents on the Berkeley, WV record: 2026 Winter Storm 2 (Berkeley, WV).
NFIP claims, Berkeley, WV, three years: 11; Berkeley, WV payouts $259,479; per Berkeley, WV claim $23,589; Berkeley, WV claim-stress 80/100.
Berkeley, WV monthly score fell, 29 (March 2026) to 27 (October 2026); Berkeley, WV by month: March 29, April 29, May 29, June 29 (Berkeley, WV), July 29, August 29, September 29, October 27.
Berkeley, WV components: NFIP claims 80; Berkeley, WV retreat index 27; Berkeley, WV climate multiplier 0.85.
Construction distress, Berkeley, WV: 41/100 as of August 2026 (Berkeley, WV: 50/100 one-to-four unit, 2/100 multifamily).
Berkeley, WV ZIPs, June 2026 (Berkeley, WV, 12 highest): score 0 (Berkeley, WV), climate 73 (Berkeley, WV): 25401, 25403, 25404, 25405, Berkeley, WV 25413, 25419, 25420, 25421, Berkeley, WV 25428; score 0 (Berkeley, WV), climate 67 (Berkeley, WV): 25427; score 0 (Berkeley, WV), climate 55 (Berkeley, WV): 25430, 25443.
DLRadar rescores Berkeley, WV monthly; Berkeley, WV readings join Berkeley, WV foreclosure, lien and ownership parcels (Berkeley, WV), so cost-squeezed Berkeley, WV owners surface before listing.
Inside West Virginia, Berkeley County ranks 41st of 55 counties for home-insurance distress at 27/100; Mineral County (29/100) sits just above Berkeley County, and Nicholas County (25/100) sits just below Berkeley County.
Deterministic. Every Berkeley County, WV signal traces to a public Berkeley dataset (FEMA, NFIP, Census for Berkeley, WV) · how insurance distress works in Berkeley, WV · methodology
FAQ: Berkeley County, WV insurance distress
What is the Berkeley County, WV home-insurance-distress score?
Berkeley, WV: 27/100 (LOW), #1,689 of 3,222, #41 in West Virginia. FEMA hazard, Berkeley, WV: 0/100; NFIP stress, Berkeley, WV: 80/100; construction, Berkeley, WV: 41/100; Berkeley, WV rescores monthly.
Is Berkeley County insurance distress getting better or worse (WV)?
Berkeley, WV: 29 in March 2026; Berkeley, WV: 27 in October 2026 (better); Berkeley, WV NFIP claims score 80.
How many flood-insurance claims has Berkeley County, WV had?
Berkeley, WV: 11 NFIP claims, three years; Berkeley, WV paid $259,479; per Berkeley, WV claim $23,589; carriers reprice Berkeley, WV against that record.
Which Berkeley County ZIP codes carry the most insurance distress (WV)?
Berkeley, WV, June 2026: 25401 at 0, 25403 at 0, 25404 at 0, 25405 at 0; Berkeley, WV climate scores there: 73, 73, 73, 73.
Why does Berkeley, WV insurance distress create sellers?
A Berkeley, WV premium outruns the Berkeley, WV budget; a carrier leaves Berkeley, WV; Berkeley, WV carrying cost passes plan; Berkeley, WV owners sell while current; Berkeley, WV insurance distress leads Berkeley, WV foreclosure data.