Martinsburg, WV Home InsuranceHome insurance in Martinsburg, WV
Parts of Martinsburg are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.
Flood risk in Martinsburg
Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.
FEMA's current mapping for the Martinsburg area shows Zone AE, Zone A alongside Zone X, which is the lower-risk designation.
MARTINSBURG, CITY OF is in FEMA's Community Rating System at Class 8, which earns residents 10% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.
Source: FEMA National Flood Hazard Layer; NFIP community 540006.
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