Summers County, WV: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Summers County scores at the 59.6th 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 once every 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Summers County
13.4% of the homes FEMA requires to carry flood insurance in Summers County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 71 policies against 532 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.2% of all residential structures in Summers County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Summers County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Summers County ranks 1330 — 1 being the highest hazard nationally — and 2314 by population among all 3144 counties covered here, where 1 is the largest. About 11,544 people live in Summers County, West Virginia, spread over 360.594 square miles.
What to do next if you own or are buying in Summers County
Across all of Summers County's 6,699 residential structures, 83 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Summers 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.