Home insurance costs & natural hazards in West Virginia
Plain facts for West Virginia homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
West Virginia at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in West Virginia pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical West Virginia ZIP code saw homeowners premiums of $1,143 per policy in 2022, 26% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure fell 5% between 2018 and 2022. The figures come from 456 West Virginia ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 6,409 single-family NFIP policies took effect in West Virginia in 2025, at an average full cost of $1,554, compared with $1,168 in 2022. About 79% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of West Virginia's 55 counties FEMA rates relatively high or very high for each hazard. The most widespread are cold wave, lightning and strong wind. Open any county for its full hazard profile.
Hazards across West Virginia's counties
West Virginia counties
All 55 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Barbour County | $1,166 | $1,852 | Very Low |
| Berkeley County | $1,152 | $1,357 | Relatively Low |
| Boone County | $1,281 | $1,596 | Relatively Low |
| Braxton County | $1,126 | $1,363 | Very Low |
| Brooke County | $1,062 | $1,549 | Relatively Low |
| Cabell County | $1,275 | $1,558 | Relatively Moderate |
| Calhoun County | $1,137 | $1,724 | Very Low |
| Clay County | $1,258 | $1,506 | Very Low |
| Doddridge County | $1,073 | $1,648 | Very Low |
| Fayette County | $1,103 | $1,409 | Relatively Low |
| Gilmer County | $1,106 | $1,495 | Very Low |
| Grant County | $1,113 | $1,710 | Very Low |
| Greenbrier County | $1,118 | $1,632 | Relatively Low |
| Hampshire County | $1,266 | $1,827 | Very Low |
| Hancock County | $1,106 | $1,825 | Very Low |
| Hardy County | $1,178 | $1,393 | Very Low |
| Harrison County | $1,055 | $1,561 | Relatively Low |
| Jackson County | $1,140 | $1,523 | Relatively Low |
| Jefferson County | $1,482 | $1,689 | Relatively Low |
| Kanawha County | $1,127 | $1,678 | Relatively High |
| Lewis County | $1,091 | $1,382 | Relatively Low |
| Lincoln County | $1,236 | $1,426 | Relatively Low |
| Logan County | $1,246 | $1,483 | Relatively Low |
| Marion County | $1,074 | $1,930 | Relatively Low |
| Marshall County | $1,083 | $1,555 | Relatively Low |
| Mason County | $1,241 | $1,150 | Relatively Low |
| McDowell County | $1,085 | $1,549 | Relatively Low |
| Mercer County | $1,242 | $1,592 | Relatively Low |
| Mineral County | $1,035 | $1,512 | Relatively Low |
| Mingo County | $1,278 | $1,253 | Relatively Low |
| Monongalia County | $1,114 | $1,488 | Relatively Low |
| Monroe County | $1,109 | $1,756 | Very Low |
| Morgan County | $1,257 | $1,659 | Very Low |
| Nicholas County | $1,100 | $1,819 | Relatively Low |
| Ohio County | $1,227 | $1,637 | Relatively Low |
| Pendleton County | $965 | $1,509 | Very Low |
| Pleasants County | $958 | $1,276 | Very Low |
| Pocahontas County | $1,076 | $1,356 | Very Low |
| Preston County | $1,132 | $1,467 | Very Low |
| Putnam County | $1,108 | $1,396 | Relatively Low |
| Raleigh County | $1,157 | $1,392 | Relatively Low |
| Randolph County | $1,143 | $1,627 | Relatively Low |
| Ritchie County | $1,077 | $1,374 | Very Low |
| Roane County | $1,172 | $1,414 | Relatively Low |
| Summers County | $1,114 | $1,306 | Very Low |
| Taylor County | $1,152 | $1,458 | Very Low |
| Tucker County | $1,108 | $1,385 | Very Low |
| Tyler County | $1,033 | $1,838 | Very Low |
| Upshur County | $1,048 | $1,388 | Relatively Low |
| Wayne County | $1,312 | $1,554 | Relatively Low |
| Webster County | $1,079 | $1,291 | Very Low |
| Wetzel County | $978 | $1,510 | Relatively Low |
| Wirt County | $1,059 | $1,230 | Very Low |
| Wood County | $1,087 | $1,499 | Relatively Low |
| Wyoming County | $1,106 | $1,509 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things West Virginia homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.