Menu

Flood insurance cost · Harrison County, WV

Flood insurance cost in Harrison County, West Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 155 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,384a year

Half of insured homes paid between $1,076 and $2,010. That is 4% more than the West Virginia median ($1,335). Most insured homes here are rated in zone AE (57%).

$0$1,076 · $1,384 · $2,010$2,512
+8.0% vs Aug 31, 2025 (median $1,282)
155home policies in force
$1,642average cost (mean)
76%of insured homes in high-risk zones (A, V)
$110,000median 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 Harrison 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		$1,514$1,098–$2,192$1,79288 (57%)+5.9%
Zone A
High risk		$1,456$1,294–$1,781$1,64830 (19%)+7.7%
Zone X
Moderate to low risk		$1,206$801–$1,499$1,28137 (24%)+17.0%

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 Harrison County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home142$1,434$1,669
Manufactured (mobile) home13$1,193$1,343
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		42$2,925$3,927

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

202NFIP policies in force, any building
202insured units (condo association policies count every unit)
48%of home policies also cover contents
$38,000median contents coverage, when bought

One year on: Harrison 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 force169155−8.3%
Median annual cost$1,282$1,384+8.0%
Average annual cost$1,481$1,642+10.9%
All policies in force (any building)218202−7.3%

How many homes have flood insurance?

0.5%of all homes in Harrison County have an NFIP policy
9.9%of homes in high-risk zones (special flood hazard area) have one
29,563residential buildings counted by FEMA
1,277of 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 Harrison County, West Virginia have filed 790 flood claims. 641 received a payment, for a total of $5,763,480 (an average of $8,991 per paid claim). The year with the most claims was 1978 (142 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 142 claims, 118 paid, $297,561 in total19781979: 21 claims, 17 paid, $73,543 in total1980: 60 claims, 52 paid, $570,384 in total19801981: 39 claims, 34 paid, $189,110 in total1985: 134 claims, 118 paid, $1,977,065 in total19851989: 36 claims, 23 paid, $184,511 in total19901994: 42 claims, 31 paid, $233,907 in total1996: 80 claims, 70 paid, $452,615 in total19962000: 34 claims, 26 paid, $111,817 in total20002003: 46 claims, 33 paid, $181,259 in total2007: 13 claims, 11 paid, $181,216 in total2008: 45 claims, 39 paid, $447,584 in total20102011: 10 claims20202026: 13 claims
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202613<10––
201110<10––
20084539$447,584$11,477
20071311$181,216$16,474
20034633$181,259$5,493
20003426$111,817$4,301
19968070$452,615$6,466
19944231$233,907$7,545
19893623$184,511$8,022
1985134118$1,977,065$16,755
19813934$189,110$5,562
19806052$570,384$10,969
19792117$73,543$4,326
1978142118$297,561$2,522

From 2016 to 2026: 13 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 Harrison County (70 home policies) · Clarksburg (33 home policies) · Bridgeport (29 home policies)