Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in West Virginia
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
West Virginia ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Raleigh County | $688 | Relatively Low | $142,600 |
| 2 | Berkeley County | $713 | Relatively Low | $248,000 |
| 3 | Preston County | $715 | Very Low | $157,700 |
| 4 | Mercer County | $756 | Relatively Low | $118,600 |
| 5 | Monongalia County | $819 | Relatively Low | $254,200 |
| 6 | Jefferson County | $850 | Relatively Low | $324,500 |
| 7 | Fayette County | $894 | Relatively Low | $104,200 |
| 8 | Hancock County | $916 | Very Low | $119,600 |
| 9 | Wood County | $1,031 | Relatively Low | $153,700 |
| 10 | Morgan County | $1,063 | Very Low | $223,100 |
| 11 | Harrison County | $1,085 | Relatively Low | $158,500 |
| 12 | Taylor County | $1,169 | Very Low | $144,000 |
| 13 | Upshur County | $1,214 | Relatively Low | $160,700 |
| 14 | Hampshire County | $1,240 | Very Low | $204,600 |
| 15 | Cabell County | $1,260 | Relatively Moderate | $156,100 |
| 16 | Marion County | $1,287 | Relatively Low | $164,300 |
| 17 | Barbour County | $1,313 | Very Low | $126,000 |
| 18 | Brooke County | $1,332 | Relatively Low | $127,700 |
| 19 | Monroe County | $1,335 | Very Low | $146,100 |
| 20 | Jackson County | $1,364 | Relatively Low | $154,600 |
| 21 | Mineral County | $1,375 | Relatively Low | $180,400 |
| 22 | Marshall County | $1,424 | Relatively Low | $139,800 |
| 23 | Nicholas County | $1,482 | Relatively Low | $114,200 |
| 24 | Putnam County | $1,484 | Relatively Low | $214,200 |
| 25 | Mason County | $1,507 | Relatively Low | $127,400 |
| 26 | Clay County | $1,583 | Very Low | $107,100 |
| 27 | Tucker County | $1,586 | Very Low | $144,700 |
| 28 | Summers County | $1,695 | Very Low | $126,100 |
| 29 | Lewis County | $1,715 | Relatively Low | $135,800 |
| 30 | Greenbrier County | $1,731 | Relatively Low | $136,300 |
| 31 | Ohio County | $1,739 | Relatively Low | $165,300 |
| 32 | Ritchie County | $1,787 | Very Low | $107,800 |
| 33 | Roane County | $1,787 | Relatively Low | $121,100 |
| 34 | Randolph County | $1,804 | Relatively Low | $137,800 |
| 35 | Hardy County | $1,824 | Very Low | $159,700 |
| 36 | Braxton County | $1,855 | Very Low | $106,400 |
| 37 | Kanawha County | $1,860 | Relatively High | $135,000 |
| 38 | Wirt County | $1,888 | Very Low | $112,800 |
| 39 | Grant County | $1,909 | Very Low | $167,500 |
| 40 | Mingo County | $1,955 | Relatively Low | $85,600 |
| 41 | Lincoln County | $1,970 | Relatively Low | $103,400 |
| 42 | Wayne County | $1,985 | Relatively Low | $124,900 |
| 43 | Pleasants County | $2,019 | Very Low | $129,300 |
| 44 | Calhoun County | $2,062 | Very Low | $111,200 |
| 45 | Pocahontas County | $2,192 | Very Low | $139,400 |
| 46 | Webster County | $2,228 | Very Low | $78,000 |
| 47 | Tyler County | $2,261 | Very Low | $112,100 |
| 48 | Boone County | $2,382 | Relatively Low | $90,300 |
| 49 | Wyoming County | $2,386 | Relatively Low | $78,400 |
| 50 | Logan County | $2,403 | Relatively Low | $101,500 |
| 51 | Doddridge County | $2,536 | Very Low | $160,000 |
| 52 | Gilmer County | $2,661 | Very Low | $83,300 |
| 53 | Wetzel County | $2,726 | Relatively Low | $102,800 |
| 54 | McDowell County | $3,163 | Relatively Low | $49,200 |
| 55 | Pendleton County | $4,264 | Very Low | $178,600 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in West Virginia