Mineral County, WV: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Mineral County scores at the 74.2th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 1.4 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mineral County's flood-insurance compliance gap
Out of 810 homes FEMA counts inside Mineral County's mapped flood zone, 93 carry the flood policy federal law requires there — 11.5% compliance, short of full coverage. Looking beyond the mandated zone, 0.9% of all residential structures in Mineral County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Mineral County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Mineral County ranks 849 — 1 being the highest hazard nationally — and 1547 by population among all 3144 counties covered here, where 1 is the largest. Mineral County, West Virginia covers 327.882 square miles and counts roughly 26,778 residents.
Your street may differ from Mineral County's average
FEMA counts 12,489 residential structures in Mineral County overall, 112 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Mineral 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.