Flood Claims Map

West Virginia

Flood insurance claims in Upshur County, West Virginia

FEMA records 417 National Flood Insurance Program claims in Upshur County, West Virginia, since 1978, with $3.1 million paid in total. The year with the most claims was 1996, with 136. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 12.0% of homes in the high-risk flood zone did.

NFIP claims on record417
Total paid$3.1 million
Claims with a payment367
Homes with NFIP policy1.0%
High-risk zone homes insured12.0%
Residential policies in force93

Claims by year of loss

1978: 319781979: 11980: 71981: 21982: 019821983: 11984: 01985: 571986: 019861987: 01988: 01989: 11990: 119901991: 01992: 71993: 01994: 11419941995: 01996: 1361997: 61998: 719981999: 12000: 212001: 02002: 120022003: 42004: 22005: 02006: 120062007: 02008: 12009: 02010: 020102011: 02012: 02013: 02014: 120142015: 22016: 02017: 02018: 020182019: 02020: 02021: 02022: 220222023: 02024: 02025: 32026: 352026136

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

1978: $23,36919781979: $01980: $6,2931981: $1,5511982: $019821983: $7941984: $01985: $567,8551986: $019861987: $01988: $01989: $3311990: $019901991: $01992: $46,4611993: $01994: $769,77719941995: $01996: $987,6131997: $87,2551998: $7,55419981999: $02000: $56,3202001: $02002: $020022003: $1,1862004: $48,4732005: $02006: $1,46720062007: $02008: $2,6662009: $02010: $020102011: $02012: $02013: $02014: $2,72220142015: $1,1882016: $02017: $02018: $020182019: $02020: $02021: $02022: $27,50920222023: $02024: $02025: $55,8152026: $360,0032026$987,613

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding63
2026-07-West Virginia-Flooding35
Hurricane Fran4
Not a named storm1
Tropical Storm Ivan1

ZIP codes with the most claims

ZIP code (as reported)Claims
26201391
2621810
254278
262674
262342
262371

305 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.5 million, contents $555,401, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6858212.0%
All homes9,036931.0%

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.