Flood insurance claims in Gilmer County, West Virginia

FEMA records 455 National Flood Insurance Program claims in Gilmer County, West Virginia, since 1978, with $5.2 million paid in total. The most claims in one year was 68, in 2003 and 2008. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 9.8% of homes in the high-risk flood zone did.

NFIP claims on record455

Total paid$5.2 million

Claims with a payment392

Homes with NFIP policy1.3%

High-risk zone homes insured9.8%

Residential policies in force43

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	118
Not a named storm	9
Summer severe storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
26351	335
26430	38
25280	19
26443	16
25267	11
26636	9
26342	6
26384	5
26147	4
26638	2

299 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.2 million, contents $2.0 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	338	33	9.8%
All homes	3,251	43	1.3%

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

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.