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Flood insurance cost · Wayne County, WV

Flood insurance cost in Wayne County, West Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 128 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,344a year

Half of insured homes paid between $1,040 and $1,827. That is about the same as the West Virginia median ($1,335). Most insured homes here are rated in zone AE (71%).

$0$1,040 · $1,344 · $1,827$2,284
+5.7% vs Aug 31, 2025 (median $1,271)
128home policies in force
$1,585average cost (mean)
81%of insured homes in high-risk zones (A, V)
$112,500median 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 Wayne 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$1,086–$2,106$1,69791 (71%)+8.8%
Zone A
High risk		$1,319$1,055–$2,103$1,71213 (10%)−9.4%
Zone X
Moderate to low risk		$1,128$946–$1,297$1,09424 (19%)+18.4%

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 Wayne County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home119$1,403$1,620
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		13$3,150$5,216

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

145NFIP policies in force, any building
145insured units (condo association policies count every unit)
39%of home policies also cover contents
$43,500median contents coverage, when bought

One year on: Wayne 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 force147128−12.9%
Median annual cost$1,271$1,344+5.7%
Average annual cost$1,458$1,585+8.7%
All policies in force (any building)168145−13.7%

How many homes have flood insurance?

1.0%of all homes in Wayne County have an NFIP policy
8.5%of homes in high-risk zones (special flood hazard area) have one
16,705residential buildings counted by FEMA
1,627of 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 Wayne County, West Virginia have filed 472 flood claims. 373 received a payment, for a total of $4,376,155 (an average of $11,732 per paid claim). The year with the most claims was 2003 (74 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801978: 56 claims, 51 paid, $297,698 in total19781979: 17 claims, 12 paid, $27,980 in total1980: 15 claims, 14 paid, $45,996 in total19801984: 25 claims, 22 paid, $214,555 in total1989: 27 claims, 20 paid, $118,560 in total19901996: 14 claims, 11 paid, $156,317 in total1997: 57 claims, 51 paid, $650,551 in total199720002002: 21 claims, 17 paid, $118,144 in total2003: 74 claims, 62 paid, $612,549 in total20032004: 12 claims2006: 10 claims2010: 13 claims, 10 paid, $69,141 in total20102011: 16 claims, 13 paid, $196,059 in total2015: 16 claims, 13 paid, $287,066 in total20202021: 15 claims, 15 paid, $844,175 in total2025: 10 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202510<10––
20211515$844,175$56,278
20151613$287,066$22,082
20111613$196,059$15,081
20101310$69,141$6,914
200610<10––
200412<10––
20037462$612,549$9,880
20022117$118,144$6,950
19975751$650,551$12,756
19961411$156,317$14,211
19892720$118,560$5,928
19842522$214,555$9,752
19801514$45,996$3,285
19791712$27,980$2,332
19785651$297,698$5,837

From 2016 to 2026: 25 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 Wayne County (75 home policies) · Huntington (23 home policies) · Kenova (10 home policies)