2,149 flood insurance claims·$30.8M paid·10 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Logan County, West Virginia. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding driven by heavy rainfall and localized creek overflows defines the primary flood risk in Logan County, West Virginia. Over the past 30 years, NOAA records show 41 flash flood events resulting in 1 death, alongside 35 general flood events resulting in 3 deaths. Recent activity underscores this pattern. For example, on January 31, 2025, an advancing low-pressure system brought widespread rainfall that caused local creeks and streams to quickly spill out of their banks, creating high water issues in low-lying spots as culverts backed up. Subsequent events on February 8, 2025, and February 15, 2025, brought additional heavy rainfall, warm fronts, and thunderstorms that saturated the area.
National Flood Insurance Program claims data indicates that risk extends across multiple zones, with the vast majority of claims concentrated in Zone A, which accounts for 1,570 claims with an average payout of $19,835 and an average recorded water depth of 10 inches. Properties in Zone X, Zone X shaded, Zone X unshaded, and Zone D have also recorded claims, with average water depths ranging from 4 to 9 inches and average payouts between $3,942 and $18,812. Homeowners, real estate agents, and journalists should pay the closest attention to properties situated in Zone A and low-lying areas near local creeks and streams where rapid overflow and culvert backups frequently occur.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
19% of Logan County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
1,929 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 9 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 1978, with 458 claims and $2.9M paid.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
63 NOAA storm reports from Logan County describe what happened, in the words of the forecasters who covered it. Read the West Virginia flood stories →
36 federal disaster declarations since 1967, 10 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Severe Storm, Straight-line Winds, Flooding, Landslides, And Mudslides | Feb 15, 2025 |
| Severe Storms And Flooding | Feb 27, 2021 |
| Severe Storms, Flooding, Landslides, And Mudslides | Feb 14, 2018 |
| Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides | Jul 10, 2015 |
| Severe Storms, Flooding, Landslides, And Mudslides | Apr 3, 2015 |
| Severe Winter Storm, Flooding, Landslides, And Mudslides | Mar 3, 2015 |
| Hurricane Sandy | Oct 29, 2012 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
76 since 1996: 41 flash floods and 35 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Jan 31, 2025 | $3,500 |
| Flood | Jan 31, 2025 | — |
| Flood | Jan 31, 2025 | $500 |
| Flood | Jan 31, 2025 | $150 |
| Flash Flood | Jun 26, 2025 | — |
| Flash Flood | Jul 20, 2025 | — |
| Flood | Jun 15, 2025 | — |
| Flood | Feb 15, 2025 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Jan 31, 2025. An advancing low pressure system set forth ample amounts of lift and moisture to round out the month of January. Widespread rainfall first entered into the southwestern coalfields of West Virginia on the morning of January 31st, and continued to invade northeastward and up into the higher terrain of the state. Local creeks and streams quickly spilled out of their banks on that day in conjunction with high water is…
Flash Flood · Jun 26, 2025. For the end of June, a stretch of active weather occurred due to a cold front that rippled across Ohio and Pennsylvania and then sank into northern West Virginia while high pressure sprawled across the southeastern United States. A low pressure system pushed the front back to the north before pivoting east out of the Great Lakes region and dragging yet another front towards the middle Ohio Valley for he final few…
Flash Flood · Jul 20, 2025. A stalled cold front settling over West Virginia set forth multiple days of active weather around the area from July 17th to the 21st. The boundary eventually slid north as a warm front on the 19th of July while a disturbance passed across the Great Lakes region and took aim for New England. A secondary cold front approached from the north and then sank down through the middle Ohio Valley and Central Appalachians…
Flood · Jun 15, 2025. The middle of the month proved to be active across the state of West Virginia in response to a stalled frontal boundary across Ohio, southern Pennsylvania, and northern West Virginia while an upper level disturbance pivoted overhead. Showers and storms began to develop in the moist and unstable environment by the night of June 13th. A lull in precipitation occurred the morning of the 14th, then activity redevelope…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Logan County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.