Is Monongalia County, WV in a flood zone?
FEMA's National Risk Index puts Monongalia County's flood hazard at the 85th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.1 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 Monongalia County
11.4% of the homes FEMA requires to carry flood insurance in Monongalia County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 70 policies against 617 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Monongalia County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Monongalia County against the rest of the country
Monongalia County sits at rank 493 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 582 of 3144 by population (1 is biggest). Monongalia County, West Virginia is home to about 108,697 people across 360.094 square miles of land.
Your street may differ from Monongalia County's average
FEMA counts 33,523 residential structures in Monongalia County overall, 117 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Monongalia County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.