Flood Claims Map

West Virginia

Flood insurance claims in Pocahontas County, West Virginia

FEMA records 706 National Flood Insurance Program claims in Pocahontas County, West Virginia, since 1978, with $15.1 million paid in total. The year with the most claims was 1996, with 388. As of 3 August 2026, 2.0% of homes here had an NFIP policy, and 16.3% of homes in the high-risk flood zone did.

NFIP claims on record706
Total paid$15.1 million
Claims with a payment602
Homes with NFIP policy2.0%
High-risk zone homes insured16.3%
Residential policies in force118

Claims by year of loss

1978: 319781979: 01980: 01981: 11982: 1519821983: 01984: 21985: 1151986: 019861987: 01988: 01989: 341990: 319901991: 01992: 01993: 01994: 119941995: 01996: 3881997: 01998: 119981999: 02000: 02001: 32002: 320022003: 272004: 02005: 02006: 020062007: 262008: 32009: 12010: 6320102011: 02012: 02013: 02014: 020142015: 12016: 142017: 02018: 120182019: 02020: 02021: 1388

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

1978: $1,26019781979: $01980: $01981: $9201982: $25,62019821983: $01984: $4291985: $2.7 million1986: $019861987: $01988: $01989: $127,3721990: $43,63219901991: $01992: $01993: $01994: $1,07919941995: $01996: $10.1 million1997: $01998: $4,72019981999: $02000: $02001: $6332002: $2,38420022003: $319,0702004: $02005: $02006: $020062007: $235,6812008: $26,1362009: $02010: $1.1 million20102011: $02012: $02013: $02014: $020142015: $20,8752016: $474,2172017: $02018: $71320182019: $02020: $02021: $25,736$10.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding309
Summer severe storms13
April 2007 Nor'easter1

ZIP codes with the most claims

ZIP code (as reported)Claims
24954596
2494645
249758
249277
262915
262644
249204
249153
249343
249243

545 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $9.2 million, contents $5.9 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5158416.3%
All homes5,8061182.0%

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.