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Flood insurance cost · Ohio County, WV

Flood insurance cost in Ohio County, West Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 337 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,371a year

Half of insured homes paid between $1,011 and $2,047. That is 3% more than the West Virginia median ($1,335). Most insured homes here are rated in zone AE (79%).

$0$1,011 · $1,371 · $2,047$2,559
+10.5% vs Aug 31, 2025 (median $1,241)
337home policies in force
$1,685average cost (mean)
88%of insured homes in high-risk zones (A, V)
$66,000median 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 Ohio 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		$1,425$1,083–$2,194$1,755265 (79%)+5.1%
Zone A
High risk		$1,313$1,040–$2,546$1,82030 (9%)+24.6%
Zone X
Moderate to low risk		$1,070$920–$1,324$1,14442 (12%)+18.1%

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 Ohio County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home314$1,388$1,716
Manufactured (mobile) home11$1,040$1,226
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.		10$7,238$7,293
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		75$8,553$10,549

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

422NFIP policies in force, any building
422insured units (condo association policies count every unit)
32%of home policies also cover contents
$15,000median contents coverage, when bought

One year on: Ohio 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 force353337−4.5%
Median annual cost$1,241$1,371+10.5%
Average annual cost$1,514$1,685+11.3%
All policies in force (any building)427422−1.2%

How many homes have flood insurance?

3.4%of all homes in Ohio County have an NFIP policy
23.5%of homes in high-risk zones (special flood hazard area) have one
14,066residential buildings counted by FEMA
1,818of 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 Ohio County, West Virginia have filed 3,123 flood claims. 2,821 received a payment, for a total of $33.8 million (an average of $11,976 per paid claim). The year with the most claims was 2004 (1,033 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 69 claims, 59 paid, $104,508 in total1979: 34 claims, 20 paid, $18,998 in total1980: 325 claims, 293 paid, $886,067 in total198019801981: 115 claims, 95 paid, $131,661 in total1985: 309 claims, 283 paid, $1,301,790 in total1990: 79 claims, 63 paid, $359,081 in total19901994: 162 claims, 154 paid, $674,966 in total1996: 523 claims, 489 paid, $3,539,539 in total199620002004: 1,033 claims, 986 paid, $17,148,242 in total20042005: 230 claims, 194 paid, $1,926,162 in total20102011: 11 claims2017: 18 claims, 14 paid, $370,089 in total2018: 34 claims, 28 paid, $2,100,552 in total2020: 21 claims, 21 paid, $523,502 in total20202024: 58 claims, 49 paid, $1,706,346 in total2025: 50 claims, 46 paid, $2,689,118 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20255046$2,689,118$58,459
20245849$1,706,346$34,823
20202121$523,502$24,929
20183428$2,100,552$75,020
20171814$370,089$26,435
201111<10––
2005230194$1,926,162$9,929
20041,033986$17,148,242$17,392
1996523489$3,539,539$7,238
1994162154$674,966$4,383
19907963$359,081$5,700
1985309283$1,301,790$4,600
198111595$131,661$1,386
1980325293$886,067$3,024
19793420$18,998$950
19786959$104,508$1,771

From 2016 to 2026: 181 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.

ZIP codes in Ohio County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Wheeling (283 home policies) · Unincorporated Ohio County (26 home policies) · Triadelphia (20 home policies)