County risk profile
Raleigh County, West Virginia
AutoRiskIQ explains the forces that shape auto insurance pressure in Raleigh County. Scores are informational and describe location trends, not individual outcomes.
Score status
70
/ 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 Raleigh County
Accident & Exposure Risk
Crash frequency, severity, and traffic density exposure relative to national patterns.
Weather & Environmental Risk
Severe weather exposure is above the national distribution 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 Raleigh 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
6
Feeds monitored: 1. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Weather & Environmental Risk in Raleigh County
We highlight the highest-pressure risk signal in Raleigh Countyand show the public inputs that drive the score.
71
/ 100
Severe weather exposure is above the national distribution 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 Raleigh 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 sits below the current risk baseline, which can reflect competitive or timing effects.
Why this can happen
- Rate adjustments can lag current loss experience and risk shifts.
- Market structure and competition can push premiums above or below modeled risk.
- Repair costs, litigation pressure, or catastrophe load can amplify pricing beyond baseline risk signals.
County context
What will be explained for Raleigh County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Raleigh County to state and national benchmarks.
Leading signals
Weather & Environmental Risk
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.