Flood insurance claims in Hampshire County, West Virginia

FEMA records 261 National Flood Insurance Program claims in Hampshire County, West Virginia, since 1978, with $4.2 million paid in total. The year with the most claims was 1996, with 182. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 8.3% of homes in the high-risk flood zone did.

NFIP claims on record261

Total paid$4.2 million

Claims with a payment227

Homes with NFIP policy0.8%

High-risk zone homes insured8.3%

Residential policies in force112

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Fran	108
Flooding	97

ZIP codes with the most claims

ZIP code (as reported)	Claims
26763	97
26722	32
26711	30
26757	24
25434	20
26704	18
26808	7
25431	6
25422	5
26865	4

212 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.4 million, contents $846,333, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,072	89	8.3%
All homes	13,901	112	0.8%

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.