Flood Claims Map

West Virginia

Flood insurance claims in Roane County, West Virginia

FEMA records 189 National Flood Insurance Program claims in Roane County, West Virginia, since 1978, with $3.3 million paid in total. The year with the most claims was 2013, with 31. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 10.6% of homes in the high-risk flood zone did.

NFIP claims on record189
Total paid$3.3 million
Claims with a payment154
Homes with NFIP policy1.3%
High-risk zone homes insured10.6%
Residential policies in force87

Claims by year of loss

1978: 519781979: 01980: 01981: 01982: 019821983: 01984: 01985: 01986: 019861987: 01988: 01989: 01990: 119901991: 01992: 01993: 01994: 019941995: 31996: 21997: 181998: 1519981999: 142000: 182001: 02002: 1720022003: 182004: 102005: 02006: 020062007: 02008: 02009: 62010: 020102011: 12012: 02013: 312014: 020142015: 22016: 192017: 02018: 020182019: 02020: 02021: 02022: 120222023: 02024: 831

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

1978: $6,17119781979: $01980: $01981: $01982: $019821983: $01984: $01985: $01986: $019861987: $01988: $01989: $01990: $2,57519901991: $01992: $01993: $01994: $019941995: $6,0411996: $01997: $179,4571998: $160,49919981999: $114,2372000: $111,3542001: $02002: $79,14420022003: $141,5812004: $158,6932005: $02006: $020062007: $02008: $02009: $24,0212010: $020102011: $02012: $02013: $957,2342014: $020142015: $107,0592016: $1.2 million2017: $02018: $020182019: $02020: $02021: $02022: $9,11420222023: $02024: $113,827$1.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding33
Summer severe storms19
Not a named storm4

ZIP codes with the most claims

ZIP code (as reported)Claims
2527679
2527044
2528622
2504515
250059
252438
252666
252514
250711
252591

100 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.6 million, contents $679,624, increased cost of compliance $73,247.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6146510.6%
All homes6,673871.3%

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

  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.