Morgantown, WV Flood Zone Map
Last updated: August 2026
Morgantown faces flooding from the Monongahela River and Deckers Creek. The city's hilly terrain and narrow valleys concentrate stormwater runoff and create flash flood conditions during heavy rain.
Monongalia County has recorded 361 NFIP flood insurance claims since 1978, totaling $3.2M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 3
NFIP Policies
199
Monongalia County
Avg. Premium
$2,018/yr
Monongalia County
NFIP Flood Insurance Claims: Monongalia County
Properties in Monongalia County have filed 361 NFIP flood insurance claims totaling $3.2M in payouts since 1978. The average claim payout is $9K.
Highest-Claim Years
1980
82 claims - $912K
2003
75 claims - $555K
1996
50 claims - $370K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Monongalia County
Only roughly 1 in 210 households in Monongalia County carries NFIP flood insurance (0.5% of estimated households). With 103 recorded flood events and $2.5M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.5%
roughly 1 in 210 households
Historical Claims Ratio
1 in 1
361 claims over 45+ years across 199 current policies
Avg. Claim Payout
$8,762
Per claim, county-wide since 1978
Historically, Monongalia County has averaged 1.8 claims for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Morgantown.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Monongalia County
Monongalia County has 36 properties with multiple flood insurance losses, including 6 severe repetitive loss properties. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
36
2+ claims within 10 years
Severe Repetitive Loss
6
4+ claims or 2 exceeding value
Mitigated
0
Received FEMA mitigation
By Flood Zone
Zone data available for 35 of 36 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Federal Flood Disaster History: Monongalia County
Monongalia County has been included in 6 federal flood-related disaster declarations.
These declarations affected communities across Monongalia County, including Morgantown.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Monongalia County
NOAA has recorded 103 flood events in Monongalia County since 1996, causing $2.5M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Monongalia County
FEMA has funded mitigation for 10 properties in Monongalia County, investing $356K in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
FEMA Flood Risk Profile: Monongalia County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $31.4M
Hurricane Risk
Relatively LowEst. annual loss: $351K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Morgantown
Morgantown faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Morgantown are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $31.4M.
With both riverine and urban stormwater flood risk, insurance costs in Morgantown depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood zone boundaries in Morgantown can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Morgantown address.
Morgantown, WV Flood Zone FAQ
What flood zones are in Morgantown, WV?
The most common FEMA flood zones in Morgantown are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Morgantown?
If your Morgantown property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Morgantown?
Enter your Morgantown address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
What type of flooding affects Morgantown?
Morgantown is primarily affected by river overflow combined with urban drainage challenges. The most common FEMA flood zone designations are Zone AE, Zone X. Use the free lookup tool above to check the specific flood zone for any Morgantown address.
Has Morgantown experienced major flooding events?
Monongalia County, where Morgantown is located, has been part of 6 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Sandy in 2012. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Morgantown?
Monongalia County has recorded 361 NFIP flood insurance claims totaling $3.2M in payouts since 1978. The year with the most claims was 1980, with 82 claims and $912K in payouts. These figures cover all NFIP claims in the county, including Morgantown.
How many flood insurance policies are there in Morgantown?
Monongalia County had 199 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $2,018. The most policies are in Zone AE (83 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many Morgantown properties have flooded repeatedly?
Monongalia County has 36 properties with multiple flood losses on record, including 6 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Morgantown property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Morgantown?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Morgantown's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other West Virginia Cities
Understanding Flood Zones
See the Flood Map for Any Morgantown, WV Address
Enter a Morgantown, WV address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.