County risk profile
Hampshire County, West Virginia
AutoRiskIQ explains the forces that shape auto insurance pressure in Hampshire County. Scores are informational and describe location trends, not individual outcomes.
Score status
40
/ 100
Percentile-based relative to national average.
Updated 2025-12-29.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for Hampshire County
Accident & Exposure Risk
Crash frequency, severity, and traffic density exposure relative to national patterns.
Weather & Environmental Risk
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Cost & Repair Pressure
Labor rates, parts availability, and repair network capacity trends.
Claim Friction & Legal Context
NAIC complaints, DOI enforcement, and litigation environment signals tied to claims.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.
Market Structure Context
Rate filing cadence and market concentration context for pricing power.
Live traffic context
Local incident feeds for Hampshire County
County pages highlight DOT or city incident feeds when they are available for major metros.
Counts reflect active incidents reported to public traffic systems, not a full crash census.
Active incidents
2
Feeds monitored: 1. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Weather & Environmental Risk in Hampshire County
We highlight the highest-pressure risk signal in Hampshire Countyand show the public inputs that drive the score.
44
/ 100
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Severe weather exposure
Hail, flood, hurricane, and ice/snow exposure signals.
Sources: FEMA National Risk Index
Seasonal volatility
Seasonal risk variance index capturing claim spikes.
Sources: NOAA seasonal summaries, State storm event data
Premium pressure context
How premiums compare with risk in Hampshire County
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
38
/ 100
Statewide average premium: $1,227
Premium pressure is roughly aligned with the current risk baseline.
County context
What will be explained for Hampshire County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Hampshire County to state and national benchmarks.
Leading signals
Weather & Environmental Risk
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.