Flood insurance cost in West Virginia
In West Virginia, the lowest private flood insurance quote ran $721 a year and the typical private quote ran $1,647. The NFIP quote ran $3,950.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 79% below the NFIP quote, and private was the cheaper option for 97% of those 96 properties. The typical private quote came in 42% below NFIP.
Median annual premiums from 1,000 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $730 | $1,679 | $3,952 | 847 |
| Residential properties | $721 | $1,644 | $3,883 | 989 |
How quotes have moved since 2020
- Lowest private quote$718 in 2026
- Typical private quote$2,130 in 2026
- NFIP quote$4,507 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $871 | $897 | $2,350 | 137 |
| 2021 | $989 | $1,086 | n/a | 113 |
| 2024 | $800 | $1,727 | $3,171 | 315 |
| 2025 | $742 | $1,612 | $3,734 | 489 |
| 2026* | $718 | $2,130 | $4,507 | 454 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in West Virginia?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in West Virginia was $1,647 a year and the lowest private quote a property received was $721. NFIP quotes ran $3,950. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in West Virginia?
- Where a property was quoted both ways, the lowest private quote came in a median 79% below the NFIP quote, and private was the cheaper option for 97% of those 96 properties. The typical private quote came in 42% below NFIP.
- Where do these numbers come from?
- From 1,000 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in West Virginia
- Flood insurance in West Virginia: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.