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Flood insurance cost · Cabell County, WV

Flood insurance cost in Cabell County, West Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 295 home policies in force on August 31, 2026.

Cabell County, West VirginiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,370a year

Half of insured homes paid between $1,043 and $1,886. That is 3% more than the West Virginia median ($1,335). Most insured homes here are rated in zone AE (64%).

$0$1,043 · $1,370 · $1,886$2,358
+14.2% vs Aug 31, 2025 (median $1,200)
295home policies in force
$1,607average cost (mean)
76%of insured homes in high-risk zones (A, V)
$151,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Cabell County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,580$1,151–$2,168$1,748190 (64%)+11.4%
Zone A
High risk		$1,615$1,015–$2,181$1,79134 (12%)+11.9%
Zone X
Moderate to low risk		$1,084$956–$1,275$1,14471 (24%)+15.4%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Cabell County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home268$1,402$1,646
Manufactured (mobile) home20$1,034$1,155
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		37$1,905$2,912

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

338NFIP policies in force, any building
338insured units (condo association policies count every unit)
50%of home policies also cover contents
$41,500median contents coverage, when bought

One year on: Cabell County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force334295−11.7%
Median annual cost$1,200$1,370+14.2%
Average annual cost$1,470$1,607+9.3%
All policies in force (any building)379338−10.8%

How many homes have flood insurance?

0.9%of all homes in Cabell County have an NFIP policy
13.5%of homes in high-risk zones (special flood hazard area) have one
33,096residential buildings counted by FEMA
1,717of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Cabell County, West Virginia have filed 806 flood claims. 679 received a payment, for a total of $11.3 million (an average of $16,674 per paid claim). The year with the most claims was 1978 (110 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 110 claims, 98 paid, $725,850 in total19781979: 20 claims, 18 paid, $137,721 in total1980: 19 claims, 14 paid, $31,297 in total19801982: 11 claims1990: 15 claims, 12 paid, $160,532 in total19901991: 10 claims1996: 13 claims, 12 paid, $161,427 in total1997: 105 claims, 87 paid, $1,593,066 in total19971998: 17 claims, 13 paid, $113,166 in total2000: 29 claims, 21 paid, $166,891 in total20002002: 35 claims, 30 paid, $127,662 in total2003: 98 claims, 86 paid, $1,403,429 in total20032004: 42 claims, 37 paid, $443,817 in total2006: 15 claims, 15 paid, $301,168 in total2009: 12 claims, 10 paid, $105,420 in total20102015: 11 claims, 10 paid, $150,207 in total2016: 32 claims, 27 paid, $369,908 in total20202021: 19 claims, 19 paid, $671,125 in total2022: 63 claims, 58 paid, $2,342,139 in total2023: 12 claims, 11 paid, $310,859 in total2025: 49 claims, 45 paid, $1,587,265 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20254945$1,587,265$35,273
20231211$310,859$28,260
20226358$2,342,139$40,382
20211919$671,125$35,322
20163227$369,908$13,700
20151110$150,207$15,021
20091210$105,420$10,542
20061515$301,168$20,078
20044237$443,817$11,995
20039886$1,403,429$16,319
20023530$127,662$4,255
20002921$166,891$7,947
19981713$113,166$8,705
199710587$1,593,066$18,311
19961312$161,427$13,452
199110<10––
19901512$160,532$13,378
198211<10––
19801914$31,297$2,236
19792018$137,721$7,651
197811098$725,850$7,407

From 2016 to 2026: 175 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Unincorporated Cabell County (126 home policies) · Huntington (122 home policies) · Milton (39 home policies)