Flood Claims Map

West Virginia

Flood insurance claims in Lincoln County, West Virginia

FEMA records 344 National Flood Insurance Program claims in Lincoln County, West Virginia, since 1978, with $4.3 million paid in total. The year with the most claims was 2003, with 80. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 3.0% of homes in the high-risk flood zone did.

NFIP claims on record344
Total paid$4.3 million
Claims with a payment273
Homes with NFIP policy0.9%
High-risk zone homes insured3.0%
Residential policies in force81

Claims by year of loss

1978: 5419781979: 151980: 11981: 11982: 219821983: 11984: 01985: 01986: 019861987: 01988: 01989: 71990: 219901991: 01992: 01993: 01994: 019941995: 41996: 11997: 261998: 1219981999: 12000: 52001: 02002: 020022003: 802004: 112005: 22006: 020062007: 72008: 12009: 32010: 120102011: 32012: 322013: 22014: 620142015: 402016: 32017: 42018: 420182019: 22020: 02021: 72022: 020222023: 12024: 12025: 280

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

1978: $205,49019781979: $70,3181980: $01981: $01982: $019821983: $01984: $01985: $01986: $019861987: $01988: $01989: $8,9311990: $4,12519901991: $01992: $01993: $01994: $019941995: $43,5281996: $5,1501997: $249,2271998: $140,08719981999: $02000: $40,9302001: $02002: $020022003: $2.1 million2004: $97,4972005: $7,9432006: $020062007: $94,7832008: $5,8532009: $81,5922010: $020102011: $27,4062012: $311,7222013: $2,9022014: $40,71120142015: $598,6722016: $1,0352017: $7,1372018: $15,77720182019: $7,5812020: $02021: $64,6112022: $020222023: $1,3622024: $11,8522025: $54,525$2.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Not a named storm48
Flooding28
April 2007 Nor'easter7
Tropical Storm Ivan4
Summer severe storms1
Tropical Storm Bill1
February West Virginia Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
2552181
2552375
2557333
2552430
2556428
2557128
2550119
2500312
2550612
255408

159 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.1 million, contents $1.2 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,946583.0%
All homes9,267810.9%

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.