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Flood insurance cost · Mingo County, WV

Flood insurance cost in Mingo County, West Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 223 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,186a year

Half of insured homes paid between $864 and $1,614. That is 11% less than the West Virginia median ($1,335). Most insured homes here are rated in zone AE (62%).

$0$864 · $1,186 · $1,614$2,018
+18.7% vs Aug 31, 2025 (median $999)
223home policies in force
$1,312average 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 Mingo 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		$1,208$850–$1,644$1,315139 (62%)+16.7%
Zone A
High risk		$1,670$1,048–$2,354$1,72031 (14%)+25.0%
Zone X
Moderate to low risk		$1,076$831–$1,267$1,06653 (24%)+18.0%

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 Mingo County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home168$1,204$1,330
Manufactured (mobile) home54$1,086$1,252
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		27$2,876$4,050

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

258NFIP policies in force, any building
258insured units (condo association policies count every unit)
65%of home policies also cover contents
$42,000median contents coverage, when bought

One year on: Mingo 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 force261223−14.6%
Median annual cost$999$1,186+18.7%
Average annual cost$1,167$1,312+12.4%
All policies in force (any building)293258−11.9%

How many homes have flood insurance?

3.9%of all homes in Mingo County have an NFIP policy
17.3%of homes in high-risk zones (special flood hazard area) have one
9,586residential buildings counted by FEMA
1,823of 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 Mingo County, West Virginia have filed 1,711 flood claims. 1,482 received a payment, for a total of $30.9 million (an average of $20,818 per paid claim). The year with the most claims was 1984 (819 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1978: 145 claims, 128 paid, $570,409 in total19781979: 61 claims, 43 paid, $134,069 in total19801981: 41 claims, 30 paid, $247,518 in total1982: 10 claims1984: 819 claims, 756 paid, $17,606,341 in total19841989: 39 claims, 33 paid, $317,871 in total19901997: 10 claims, 10 paid, $38,897 in total20002002: 42 claims, 38 paid, $865,609 in total2003: 24 claims, 14 paid, $175,161 in total2004: 109 claims, 78 paid, $2,226,186 in total2005: 13 claims, 10 paid, $55,335 in total2007: 38 claims, 35 paid, $235,177 in total2009: 146 claims, 130 paid, $4,302,992 in total20092010: 21 claims, 17 paid, $497,166 in total20102014: 21 claims, 17 paid, $205,911 in total20202021: 24 claims, 20 paid, $194,941 in total2022: 13 claims, 10 paid, $67,870 in total2025: 80 claims, 69 paid, $2,945,943 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20258069$2,945,943$42,695
20221310$67,870$6,787
20212420$194,941$9,747
20142117$205,911$12,112
20102117$497,166$29,245
2009146130$4,302,992$33,100
20073835$235,177$6,719
20051310$55,335$5,534
200410978$2,226,186$28,541
20032414$175,161$12,512
20024238$865,609$22,779
19971010$38,897$3,890
19893933$317,871$9,632
1984819756$17,606,341$23,289
198210<10––
19814130$247,518$8,251
19796143$134,069$3,118
1978145128$570,409$4,456

From 2016 to 2026: 117 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 Mingo County (174 home policies) · Williamson (19 home policies) · Kermit (13 home policies)