Hardy County, WV flood risk explained
Flood hazard in Hardy County sits at the 65.3th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.4 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Hardy County
8.2% of the homes FEMA requires to carry flood insurance in Hardy County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 31 policies against 379 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.6% of all residential structures in Hardy County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Hardy County ranks
Among the 3144 US counties FEMA scores for flood hazard, Hardy County ranks 1141 — 1 being the highest hazard nationally — and 2134 by population among all 3144 counties covered here, where 1 is the largest. Hardy County, West Virginia covers 582.315 square miles and counts roughly 14,335 residents.
Checking a specific address in Hardy County
FEMA counts 8,289 residential structures in Hardy County overall, 52 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Hardy 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.