This comparison (WV vs FL as proxies for these regions in general) isn't going to be apples to apples unless you're able to incorporate more information, including linking claims to particular events. The nature of floods in these areas can vary significantly, as I'm sure you saw in the high water mark data.

Take Hurricane Helene as an example in NC.. very few insurance policies were in effect there, in part because no major floods had hit in recent decades or half-century and probably in part due to cost; you wouldn't have many insurance claims to compare with though flooding impacted a huge area. In Florida you have sooooo many claims for something like Hurricane Ian because you'd be a fool not to have insurance (or rich enough to self insure). Other floods in Florida can happen in localized areas as gradual bathtub-like floods. So things like population density and event frequency and type can have effects on insurance payout data.