Randolph County, WV: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Randolph County scores at the 78.3th 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 2 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.
Who actually carries the flood insurance FEMA requires
8.4% of the homes FEMA requires to carry flood insurance in Randolph County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 83 policies against 989 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.1% of all residential structures in Randolph County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Randolph County ranks
Among the 3144 US counties FEMA scores for flood hazard, Randolph County ranks 711 — 1 being the highest hazard nationally — and 1536 by population among all 3144 counties covered here, where 1 is the largest. Randolph County, West Virginia is home to about 27,190 people across 1,039.7 square miles of land.
Checking a specific address in Randolph County
124 of Randolph County's 11,725 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Randolph 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.