Mercer County flood history
West Virginia · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 437 flood insurance claims in Mercer County, West Virginia since 1978. The NFIP paid $5.2 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2001, with 82.
In the last ten years (2017–2026) there were 33 claims, and the average paid claim was $72,762.
39% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 0.8% of homes in Mercer County, West Virginia had an NFIP flood policy in FEMA's latest count (187 of 22,951 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 13% (170 of 1,344).
Since 2000, FEMA has made 9 flood-related disaster declarations covering Mercer County, West Virginia. The most recent was DR-4861-WV (Severe Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides), declared February 26, 2025.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 1 | $0 |
| 2025 | 19 | $1.4 million |
| 2024 | 2 | $0 |
| 2023 | 3 | $10,691 |
| 2020 | 3 | $6,929 |
| 2019 | 1 | $0 |
| 2018 | 3 | $687 |
| 2017 | 1 | $2,012 |
| 2016 | 1 | $0 |
| 2013 | 1 | $318 |
| 2012 | 1 | $4,399 |
| 2011 | 1 | $0 |
| 2010 | 26 | $483,715 |
| 2009 | 5 | $10,647 |
| 2008 | 1 | $11,721 |
| 2004 | 19 | $184,000 |
| 2003 | 55 | $492,259 |
| 2002 | 56 | $264,503 |
| 2001 | 82 | $704,734 |
| 2000 | 1 | $0 |
| 1999 | 1 | $4,861 |
| 1998 | 1 | $1,581 |
| 1997 | 1 | $0 |
| 1996 | 49 | $431,669 |
| 1995 | 39 | $1.0 million |
| 1994 | 2 | $14,318 |
| 1993 | 2 | $0 |
| 1992 | 3 | $18,357 |
| 1989 | 1 | $0 |
| 1987 | 7 | $31,117 |
| 1985 | 2 | $26,831 |
| 1984 | 6 | $4,571 |
| 1982 | 4 | $5,180 |
| 1981 | 1 | $0 |
| 1980 | 6 | $33,624 |
| 1979 | 13 | $18,911 |
| 1978 | 17 | $30,300 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| February West Virginia Flooding | 2025 | 18 | $1.4 million |
| Flooding | 1978 | 13 | $29,687 |
| Flooding | 1985 | 2 | $26,831 |
| Flooding | 1996 | 2 | $14,100 |
| Flooding | 1984 | 6 | $4,571 |
| Storm | 2009 | 3 | $3,674 |
| Tropical Storm Ivan | 2004 | 1 | $414 |
| Flooding | 1997 | 1 | $0 |
How many homes have flood insurance
FEMA counts 187 residential NFIP policies in Mercer County, against 22,951 residential buildings (0.8%). Of the 1,344 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 170 have an NFIP policy (13%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4861-WV | Feb 26, 2025 | Severe Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides | Yes |
| DR-4210-WV | Mar 31, 2015 | Severe Winter Storm, Flooding, Landslides, and Mudslides | No |
| DR-1893-WV | Mar 29, 2010 | Severe Storms, Flooding, Mudslides, and Landslides | Yes |
| DR-1838-WV | May 15, 2009 | Severe Storms, Flooding, Mudslides, and Landslides | Yes |
| DR-1522-WV | Jun 7, 2004 | Severe Storms, Flooding, and Landslides | Yes |
| DR-1500-WV | Nov 21, 2003 | Severe Storms, Flooding, and Landslides | Yes |
| DR-1455-WV | Mar 14, 2003 | Severe Winter Storm, Record/Near Record Snow, Heavy Rains, Flooding and Landslides | Yes |
| DR-1410-WV | May 5, 2002 | Severe Storms, Flooding and Landslides | Yes |
| DR-1378-WV | Jun 3, 2001 | Severe Storms, Flooding and Landslides | Yes |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of West Virginia.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.