Data · July 2026 data · 15-month trend
West Virginia Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in West Virginia paid an average premium of $1,983 in July 2026. That runs +101.2% above the national average of $986. That is 10.9% higher year over year. Across 692 transactions in 55 counties, the highest county-level average was $4,832 in Wetzel County.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $1,983
- Avg total cost (with fees)
- $2,471
- Change (year over year)
- +10.9%
- vs national average
- +101.2%
- Policies written or renewed
- 692
- Counties reporting
- 55
West Virginia trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,818 | $2,145 | 945 | |
| June 2025 | $1,632 | $1,990 | 836 | |
| July 2025 | $1,787 | $2,222 | 783 | |
| August 2025 | $1,647 | $2,056 | 863 | |
| September 2025 | $1,685 | $2,074 | 900 | |
| October 2025 | $1,688 | $2,116 | 800 | |
| November 2025 | $1,768 | $2,214 | 665 | |
| December 2025 | $1,967 | $2,468 | 594 | |
| January 2026 | $1,912 | $2,292 | 644 | |
| February 2026 | $2,038 | $2,555 | 604 | |
| March 2026 | $1,707 | $2,153 | 724 | |
| April 2026 | $1,948 | $2,439 | 707 | |
| May 2026 | $1,833 | $2,299 | 676 | |
| June 2026 | $1,775 | $2,171 | 726 | |
| July 2026 | $1,983 | $2,471 | 692 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Wetzel County | $4,832 | $5,886 | 6 | |
| Boone County | $4,674 | $5,717 | 33 | |
| Pendleton County | $4,525 | $5,486 | 3 | |
| Pocahontas County | $4,397 | $5,406 | 17 | |
| Ohio County | $3,019 | $3,679 | 45 | |
| Tucker County | $2,930 | $3,642 | 8 | |
| Braxton County | $2,922 | $3,645 | 9 | |
| Marshall County | $2,587 | $3,145 | 11 | |
| Barbour County | $2,404 | $3,005 | 7 | |
| Wayne County | $2,374 | $2,890 | 13 | |
| Wirt County | $2,345 | $3,064 | 1 | |
| Randolph County | $2,344 | $2,919 | 11 | |
| Raleigh County | $2,335 | $2,902 | 9 | |
| Tyler County | $2,173 | $2,786 | 3 | |
| Pleasants County | $2,052 | $2,493 | 1 | |
| Lewis County | $1,990 | $2,485 | 7 | |
| Ritchie County | $1,949 | $2,485 | 2 | |
| Doddridge County | $1,947 | $2,482 | 2 | |
| Harrison County | $1,847 | $2,296 | 10 | |
| Kanawha County | $1,844 | $2,277 | 101 | |
| Fayette County | $1,777 | $2,189 | 11 | |
| Marion County | $1,773 | $2,164 | 12 | |
| Calhoun County | $1,764 | $2,154 | 2 | |
| Summers County | $1,721 | $2,192 | 5 | |
| Gilmer County | $1,715 | $2,152 | 8 | |
| Hampshire County | $1,705 | $2,204 | 15 | |
| Hardy County | $1,640 | $2,119 | 4 | |
| Monongalia County | $1,628 | $2,095 | 20 | |
| Roane County | $1,624 | $2,021 | 7 | |
| Brooke County | $1,584 | $2,003 | 11 | |
| Wood County | $1,576 | $1,932 | 13 | |
| Hancock County | $1,533 | $1,918 | 6 | |
| Logan County | $1,531 | $1,905 | 26 | |
| Nicholas County | $1,509 | $1,897 | 5 | |
| Greenbrier County | $1,479 | $1,907 | 30 | |
| Grant County | $1,473 | $1,979 | 4 | |
| McDowell County | $1,450 | $1,853 | 16 | |
| Lincoln County | $1,436 | $1,870 | 13 | |
| Berkeley County | $1,413 | $1,823 | 16 | |
| Wyoming County | $1,397 | $1,743 | 20 | |
| Upshur County | $1,358 | $1,771 | 7 | |
| Mineral County | $1,352 | $1,684 | 13 | |
| Jefferson County | $1,311 | $1,672 | 17 | |
| Morgan County | $1,280 | $1,751 | 8 | |
| Putnam County | $1,273 | $1,662 | 18 | |
| Clay County | $1,223 | $1,515 | 3 | |
| Preston County | $1,221 | $1,513 | 6 | |
| Cabell County | $1,152 | $1,453 | 31 | |
| Mingo County | $1,140 | $1,440 | 20 | |
| Taylor County | $991 | $1,241 | 4 | |
| Mercer County | $981 | $1,274 | 5 | |
| Webster County | $860 | $1,087 | 7 | |
| Jackson County | $834 | $1,093 | 6 | |
| Monroe County | $706 | $905 | 1 | |
| Mason County | $699 | $1,047 | 3 |
Use this data
Download West Virginia CSV (west-virginia.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"West Virginia Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/west-virginia
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.