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Flood insurance cost · Wood County, WV

Flood insurance cost in Wood County, West Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 172 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,240a year

Half of insured homes paid between $969 and $1,894. That is 7% less than the West Virginia median ($1,335). Most insured homes here are rated in zone AE (70%).

$0$969 · $1,240 · $1,894$2,368
+11.4% vs Aug 31, 2025 (median $1,113)
172home policies in force
$1,576average cost (mean)
90%of insured homes in high-risk zones (A, V)
$129,000median 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 Wood 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		$1,233$920–$1,894$1,540120 (70%)+10.8%
Zone A
High risk		$1,370$1,183–$1,966$1,86534 (20%)+14.4%
Zone X
Moderate to low risk		$1,082$870–$1,358$1,27018 (10%)+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 Wood County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home152$1,240$1,603
Manufactured (mobile) home12$1,254$1,372
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		41$2,773$3,203

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

219NFIP policies in force, any building
219insured units (condo association policies count every unit)
37%of home policies also cover contents
$38,500median contents coverage, when bought

One year on: Wood 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 force211172−18.5%
Median annual cost$1,113$1,240+11.4%
Average annual cost$1,347$1,576+17.0%
All policies in force (any building)271219−19.2%

How many homes have flood insurance?

0.6%of all homes in Wood County have an NFIP policy
10.4%of homes in high-risk zones (special flood hazard area) have one
32,056residential buildings counted by FEMA
1,564of 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 Wood County, West Virginia have filed 950 flood claims. 792 received a payment, for a total of $13.2 million (an average of $16,728 per paid claim). The year with the most claims was 2004 (182 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 30 claims, 22 paid, $72,975 in total1979: 48 claims, 44 paid, $184,300 in total19801984: 38 claims, 26 paid, $184,789 in total1985: 13 claims1989: 10 claims1990: 31 claims, 26 paid, $360,248 in total19901991: 15 claims, 12 paid, $90,702 in total1994: 56 claims, 49 paid, $699,379 in total1996: 67 claims, 60 paid, $1,030,473 in total1997: 70 claims, 65 paid, $835,548 in total1998: 105 claims, 89 paid, $1,411,764 in total19982000: 19 claims, 16 paid, $137,618 in total20002003: 14 claims2004: 182 claims, 165 paid, $4,468,379 in total20042005: 113 claims, 95 paid, $1,353,002 in total200520102015: 24 claims, 21 paid, $964,075 in total2018: 31 claims, 27 paid, $587,332 in total20202024: 12 claims, 11 paid, $271,282 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
20241211$271,282$24,662
20183127$587,332$21,753
20152421$964,075$45,908
200511395$1,353,002$14,242
2004182165$4,468,379$27,081
200314<10––
20001916$137,618$8,601
199810589$1,411,764$15,863
19977065$835,548$12,855
19966760$1,030,473$17,175
19945649$699,379$14,273
19911512$90,702$7,558
19903126$360,248$13,856
198910<10––
198513<10––
19843826$184,789$7,107
19794844$184,300$4,189
19783022$72,975$3,317

From 2016 to 2026: 43 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 Wood County (121 home policies) · Vienna (28 home policies) · Parkersburg (16 home policies)