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Flood insurance cost · Logan County, WV

Flood insurance cost in Logan County, West Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 262 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,322a year

Half of insured homes paid between $955 and $1,990. That is about the same as the West Virginia median ($1,335). Most insured homes here are rated in zone AE (77%).

$0$955 · $1,322 · $1,990$2,488
+13.0% vs Aug 31, 2025 (median $1,170)
262home policies in force
$1,577average cost (mean)
87%of insured homes in high-risk zones (A, V)
$94,000median 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 Logan 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		$1,430$976–$2,118$1,649203 (77%)+13.4%
Zone A
High risk		$1,432$1,005–$1,908$1,58024 (9%)+19.1%
Zone X
Moderate to low risk		$1,192$926–$1,266$1,15335 (13%)+16.3%

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 Logan County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home234$1,367$1,613
Manufactured (mobile) home27$1,166$1,279
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		12$3,718$3,964
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		39$4,492$6,166

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

313NFIP policies in force, any building
313insured units (condo association policies count every unit)
31%of home policies also cover contents
$32,000median contents coverage, when bought

One year on: Logan 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 force296262−11.5%
Median annual cost$1,170$1,322+13.0%
Average annual cost$1,404$1,577+12.3%
All policies in force (any building)346313−9.5%

How many homes have flood insurance?

2.4%of all homes in Logan County have an NFIP policy
8.3%of homes in high-risk zones (special flood hazard area) have one
13,680residential buildings counted by FEMA
3,390of 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 Logan County, West Virginia have filed 2,158 flood claims. 1,780 received a payment, for a total of $31.7 million (an average of $17,807 per paid claim). The year with the most claims was 1978 (461 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 461 claims, 389 paid, $2,911,484 in total19781979: 279 claims, 209 paid, $1,071,959 in total19791980: 15 claims, 12 paid, $35,401 in total19801981: 35 claims, 23 paid, $137,444 in total1982: 36 claims, 22 paid, $37,959 in total1984: 121 claims, 89 paid, $1,011,133 in total1985: 16 claims1987: 20 claims1989: 34 claims, 26 paid, $181,577 in total19901991: 19 claims, 15 paid, $150,776 in total1994: 19 claims, 13 paid, $69,465 in total1996: 216 claims, 199 paid, $4,512,494 in total1997: 21 claims, 16 paid, $132,206 in total20002003: 43 claims, 30 paid, $760,203 in total2004: 285 claims, 266 paid, $7,545,489 in total20042007: 135 claims, 123 paid, $3,272,925 in total2010: 153 claims, 133 paid, $3,369,260 in total20102012: 81 claims, 73 paid, $2,328,917 in total2015: 16 claims, 10 paid, $231,452 in total20202021: 29 claims, 27 paid, $706,170 in total2025: 45 claims, 37 paid, $2,147,748 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
20254537$2,147,748$58,047
20212927$706,170$26,154
20151610$231,452$23,145
20128173$2,328,917$31,903
2010153133$3,369,260$25,333
2007135123$3,272,925$26,609
2004285266$7,545,489$28,366
20034330$760,203$25,340
19972116$132,206$8,263
1996216199$4,512,494$22,676
19941913$69,465$5,343
19911915$150,776$10,052
19893426$181,577$6,984
198720<10––
198516<10––
198412189$1,011,133$11,361
19823622$37,959$1,725
19813523$137,444$5,976
19801512$35,401$2,950
1979279209$1,071,959$5,129
1978461389$2,911,484$7,485

From 2016 to 2026: 74 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 Logan County (241 home policies)