Data · June 2026 data · 14-month trend
West Virginia Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in West Virginia paid an average premium of $1,775 in June 2026. That runs +77.3% above the national average of $1,001. That is 8.8% higher year over year. Across 726 transactions in 54 counties, the highest county-level average was $4,331 in Lincoln 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 — June 2026
- Average premium
- $1,775
- Avg total cost (with fees)
- $2,171
- Change (year over year)
- +8.8%
- vs national average
- +77.3%
- Policies written or renewed
- 726
- Counties reporting
- 54
West Virginia trend, last 14 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 |
County breakdown — June 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 |
|---|---|---|---|---|
| Lincoln County | $4,331 | $5,257 | 3 | |
| Barbour County | $3,987 | $4,926 | 3 | |
| Pendleton County | $3,565 | $4,391 | 6 | |
| Mercer County | $2,695 | $3,354 | 11 | |
| Summers County | $2,616 | $3,368 | 14 | |
| Ohio County | $2,603 | $3,212 | 33 | |
| Preston County | $2,558 | $3,147 | 4 | |
| Hampshire County | $2,427 | $2,981 | 10 | |
| Clay County | $2,349 | $2,844 | 3 | |
| FIPS 54000 | $2,348 | $2,363 | 74 | |
| Marshall County | $2,315 | $2,860 | 12 | |
| Gilmer County | $2,289 | $2,885 | 6 | |
| Wetzel County | $2,130 | $2,614 | 8 | |
| Lewis County | $2,098 | $2,660 | 6 | |
| Hancock County | $2,069 | $2,532 | 12 | |
| Morgan County | $2,037 | $2,616 | 8 | |
| Monroe County | $1,933 | $2,503 | 3 | |
| Roane County | $1,916 | $2,389 | 8 | |
| McDowell County | $1,867 | $2,298 | 10 | |
| Raleigh County | $1,825 | $2,310 | 8 | |
| Calhoun County | $1,805 | $2,202 | 1 | |
| Tucker County | $1,798 | $2,322 | 14 | |
| Kanawha County | $1,797 | $2,222 | 100 | |
| Brooke County | $1,744 | $2,165 | 13 | |
| Jefferson County | $1,669 | $2,074 | 21 | |
| Grant County | $1,601 | $2,111 | 3 | |
| Jackson County | $1,583 | $1,940 | 5 | |
| Randolph County | $1,561 | $1,978 | 14 | |
| Tyler County | $1,541 | $2,003 | 4 | |
| Wyoming County | $1,533 | $1,921 | 11 | |
| Greenbrier County | $1,523 | $2,023 | 19 | |
| Putnam County | $1,509 | $1,910 | 31 | |
| Pocahontas County | $1,506 | $2,049 | 9 | |
| Harrison County | $1,496 | $1,900 | 18 | |
| Marion County | $1,491 | $1,906 | 6 | |
| Hardy County | $1,461 | $1,924 | 7 | |
| Fayette County | $1,403 | $1,747 | 11 | |
| Mingo County | $1,372 | $1,762 | 19 | |
| Mineral County | $1,334 | $1,678 | 14 | |
| Doddridge County | $1,321 | $1,695 | 7 | |
| Boone County | $1,313 | $1,621 | 11 | |
| Cabell County | $1,241 | $1,560 | 29 | |
| Logan County | $1,239 | $1,544 | 24 | |
| Berkeley County | $1,239 | $1,600 | 17 | |
| Pleasants County | $1,238 | $1,533 | 2 | |
| Braxton County | $1,173 | $1,456 | 6 | |
| Upshur County | $1,167 | $1,494 | 10 | |
| Wood County | $1,122 | $1,467 | 19 | |
| Nicholas County | $1,083 | $1,350 | 2 | |
| Mason County | $1,030 | $1,312 | 9 | |
| Wayne County | $1,001 | $1,310 | 8 | |
| Monongalia County | $960 | $1,224 | 12 | |
| Webster County | $883 | $1,146 | 7 | |
| Taylor County | $781 | $994 | 1 |
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, June 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.