Grant County, WV: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Grant County scores at the 57.9th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
10.1% of the homes FEMA requires to carry flood insurance in Grant County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 20 policies against 198 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.5% of all residential structures in Grant County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Grant County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Grant County ranks 1387 — 1 being the highest hazard nationally — and 2347 by population among all 3144 counties covered here, where 1 is the largest. Grant County, West Virginia covers 477.373 square miles and counts roughly 10,971 residents.
Checking a specific address in Grant County
30 of Grant County's 6,424 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Grant County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.