Flood Claims Map

West Virginia

Flood insurance claims in Morgan County, West Virginia

FEMA records 204 National Flood Insurance Program claims in Morgan County, West Virginia, since 1978, with $3.1 million paid in total. The year with the most claims was 1996, with 127. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 18.3% of homes in the high-risk flood zone did.

NFIP claims on record204
Total paid$3.1 million
Claims with a payment183
Homes with NFIP policy1.0%
High-risk zone homes insured18.3%
Residential policies in force100

Claims by year of loss

1978: 119781979: 01980: 01981: 01982: 019821983: 01984: 01985: 131986: 019861987: 01988: 01989: 01990: 019901991: 01992: 01993: 21994: 019941995: 11996: 1271997: 11998: 019981999: 02000: 22001: 02002: 020022003: 102004: 32005: 12006: 820062007: 02008: 22009: 02010: 120102011: 02012: 182013: 02014: 020142015: 22016: 02017: 02018: 1020182019: 02020: 02021: 02022: 120222023: 02024: 02025: 1127

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

1978: $2,66219781979: $01980: $01981: $01982: $019821983: $01984: $01985: $155,5461986: $019861987: $01988: $01989: $01990: $019901991: $01992: $01993: $5,1791994: $019941995: $1,9941996: $2.2 million1997: $01998: $019981999: $02000: $5,3862001: $02002: $020022003: $51,1022004: $38,2002005: $13,3002006: $63,14820062007: $02008: $1,8092009: $02010: $8,63220102011: $02012: $326,5312013: $02014: $020142015: $5,4272016: $02017: $02018: $195,88420182019: $02020: $02021: $02022: $020222023: $02024: $02025: $0$2.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding80
Hurricane Fran60
Tropical Storm Ivan2

ZIP codes with the most claims

ZIP code (as reported)Claims
25422103
2541185
254276
254343
260341

167 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.6 million, contents $529,696, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4378018.3%
All homes10,0291001.0%

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.