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Flood insurance cost · Wyoming County, WV

Flood insurance cost in Wyoming County, West Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 184 home policies in force on August 31, 2026.

Wyoming 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 $945 and $1,836. That is 7% less than the West Virginia median ($1,335). Most insured homes here are rated in zone AE (55%).

$0$945 · $1,240 · $1,836$2,295
+14.2% vs Aug 31, 2025 (median $1,086)
184home policies in force
$1,593average cost (mean)
67%of insured homes in high-risk zones (A, V)
$75,000median 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 Wyoming 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		$1,534$1,055–$2,370$1,877102 (55%)+11.6%
Zone A
High risk		$1,526$1,104–$2,100$1,69322 (12%)+15.3%
Zone X
Moderate to low risk		$1,122$874–$1,258$1,07460 (33%)+17.0%

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 Wyoming County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home153$1,263$1,674
Manufactured (mobile) home30$853$1,151
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		47$2,969$4,238

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

236NFIP policies in force, any building
236insured units (condo association policies count every unit)
64%of home policies also cover contents
$40,000median contents coverage, when bought

One year on: Wyoming 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 force203184−9.4%
Median annual cost$1,086$1,240+14.2%
Average annual cost$1,370$1,593+16.3%
All policies in force (any building)257236−8.2%

How many homes have flood insurance?

2.9%of all homes in Wyoming County have an NFIP policy
17.9%of homes in high-risk zones (special flood hazard area) have one
10,017residential buildings counted by FEMA
1,304of 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 Wyoming County, West Virginia have filed 924 flood claims. 776 received a payment, for a total of $14.2 million (an average of $18,318 per paid claim). The year with the most claims was 2001 (327 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 19 claims, 15 paid, $17,993 in total1979: 16 claims1980: 11 claims19801981: 20 claims, 19 paid, $59,682 in total1984: 13 claims1989: 16 claims, 10 paid, $53,555 in total19901996: 44 claims, 39 paid, $428,621 in total20002001: 327 claims, 305 paid, $7,802,961 in total20012003: 141 claims, 108 paid, $1,065,992 in total20032004: 64 claims, 52 paid, $340,866 in total2009: 97 claims, 87 paid, $1,912,186 in total20092010: 44 claims, 39 paid, $975,202 in total201020202025: 47 claims, 39 paid, $1,143,877 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20254739$1,143,877$29,330
20104439$975,202$25,005
20099787$1,912,186$21,979
20046452$340,866$6,555
2003141108$1,065,992$9,870
2001327305$7,802,961$25,583
19964439$428,621$10,990
19891610$53,555$5,356
198413<10––
19812019$59,682$3,141
198011<10––
197916<10––
19781915$17,993$1,200

From 2016 to 2026: 47 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 Wyoming County (137 home policies) · Mullens (22 home policies) · Oceana (15 home policies)