Stay Protected From Flood insurance in West Virginia

Buy Flood Insurance in West Virginia

West Virginia’s rolling hills and winding rivers make it one of the most beautiful states in the country, but also one of the most flood-prone. From flash floods in the mountains to river overflows in the valleys, the Mountain State faces flood risks year-round.

And here’s what many homeowners don’t know: most standard homeowners insurance doesn’t cover flood damage. That means a single storm could lead to thousands of dollars in out-of-pocket costs, unless you’re protected. At Advantage Flood, we make it simple and stress-free to buy flood insurance in West Virginia. With fast quotes, expert support, and policies tailored to your local risk, we’ll help you get covered before the next flood strikes.

Why do you need Flood Insurance in west-virginia?

Flooding is West Virginia’s most common natural disaster, with every county experiencing multiple major flood events over the past few decades. The 2016 flood was among the costliest, causing damages of over $1.3 billion. Since then, there have been 968 floods that have hit the state, with the most recent one being in February 2025. Communities along rivers such as the Kanawha, Monongahela, Ohio, Elk, and Greenbrier are particularly at risk of flood damage.

Cities like Charleston, Huntington, Morgantown, Beckley, and Wheeling have all faced significant flood damage in recent years. In fact, according to Risk Factor data, 423,000 West Virginia properties have a 1 in 4 chance of being affected by floods within the next 30 years. Even if your property isn’t near a river, intense rain can overwhelm drainage systems and cause localized flooding. And FEMA reports that 40% of flood claims come from homes in low- to moderate-risk zones. In some of these areas flood insurance is not required, but it is still incredibly valuable