Flood insurance is typically not covered by renters or homeowners insurance. The flood insurance cost in West Virginia is impacted by both county-level and personal risk variables — for example, property design and flooding frequency.
Floods in West Virginia have cost the state millions of dollars in damages and have had a long-term negative impact on local communities. According to the Federal Emergency Management Agency (FEMA), even one inch of water could cause up to $25,000 in damages. You should consider buying flood insurance to protect yourself from the rising expenses of flood-related damage, even if your home is in a low-risk zone.