Flood Claims Map

West Virginia

Flood insurance claims in Berkeley County, West Virginia

FEMA records 312 National Flood Insurance Program claims in Berkeley County, West Virginia, since 1978, with $4.9 million paid in total. The year with the most claims was 1996, with 154. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 9.2% of homes in the high-risk flood zone did.

NFIP claims on record312
Total paid$4.9 million
Claims with a payment272
Homes with NFIP policy0.3%
High-risk zone homes insured9.2%
Residential policies in force150

Claims by year of loss

1978: 1119781979: 71980: 01981: 01982: 119821983: 11984: 191985: 351986: 019861987: 01988: 01989: 01990: 119901991: 01992: 01993: 41994: 019941995: 01996: 1541997: 01998: 119981999: 12000: 02001: 02002: 220022003: 152004: 42005: 02006: 020062007: 02008: 32009: 02010: 1520102011: 32012: 12013: 12014: 320142015: 02016: 02017: 02018: 1620182019: 22020: 02021: 02022: 020222023: 12024: 32025: 62026: 22026154

NFIP claims by year of loss, Berkeley County, West Virginia

1978: $13,91819781979: $12,4571980: $01981: $01982: $3,48819821983: $01984: $80,6021985: $661,1491986: $019861987: $01988: $01989: $01990: $20,00019901991: $01992: $01993: $22,1251994: $019941995: $01996: $2.7 million1997: $01998: $019981999: $6312000: $02001: $02002: $41,79120022003: $127,6552004: $18,5012005: $02006: $020062007: $02008: $79,3252009: $02010: $217,32220102011: $13,2562012: $02013: $8,9372014: $2,31720142015: $02016: $02017: $02018: $572,11120182019: $27,3802020: $02021: $02022: $020222023: $02024: $39,5292025: $219,9502026: $02026$2.7 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Berkeley County, West Virginia

Named flood events with the most claims

Event (FEMA name)Claims
Flooding113
Hurricane Fran69
Not a named storm7
Tropical Storm Ivan1

ZIP codes with the most claims

ZIP code (as reported)Claims
25401121
25419103
2542738
2540417
254288
254055
254432
254031
254021
254131

190 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.9 million, contents $951,266, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone913849.2%
All homes46,1761500.3%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.