Washington flood insurance and flood history
From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 16,074 flood insurance claims in Washington since 1978. The NFIP paid $368.2 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 1996, with 1,917, mostly from Flooding.
In the last ten years (2017–2026) there were 2,470 claims, and the average paid claim was $54,716.
24% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 0.9% of homes in Washington had an NFIP flood policy in FEMA's latest count (23,122 of 2,481,708 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 40% (16,014 of 39,781).
Since 2000, FEMA has made 23 flood-related disaster declarations covering parts of Washington. The most recent was DR-4906-WA (Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides), declared April 7, 2026.
Flood insurance claims in Washington by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 33 | $643,184 |
| 2025 | 854 | $49.7 million |
| 2024 | 30 | $1.1 million |
| 2023 | 66 | $1.2 million |
| 2022 | 513 | $19.8 million |
| 2021 | 480 | $26.1 million |
| 2020 | 255 | $6.5 million |
| 2019 | 57 | $1.1 million |
| 2018 | 70 | $1.0 million |
| 2017 | 112 | $1.2 million |
| 2016 | 148 | $2.4 million |
| 2015 | 662 | $12.2 million |
| 2014 | 109 | $3.8 million |
| 2013 | 59 | $376,725 |
| 2012 | 174 | $3.3 million |
| 2011 | 159 | $1.4 million |
| 2010 | 221 | $2.4 million |
| 2009 | 1,758 | $46.6 million |
| 2008 | 125 | $1.1 million |
| 2007 | 1,062 | $52.7 million |
| 2006 | 1,356 | $32.6 million |
| 2005 | 35 | $358,251 |
| 2004 | 49 | $619,911 |
| 2003 | 425 | $6.7 million |
| 2002 | 45 | $167,391 |
| 2001 | 75 | $900,176 |
| 2000 | 28 | $263,029 |
| 1999 | 195 | $2.1 million |
| 1998 | 143 | $1.2 million |
| 1997 | 409 | $4.2 million |
| 1996 | 1,917 | $36.9 million |
| 1995 | 882 | $11.0 million |
| 1994 | 72 | $652,590 |
| 1993 | 30 | $205,572 |
| 1992 | 21 | $70,044 |
| 1991 | 92 | $848,813 |
| 1990 | 1,610 | $21.4 million |
| 1989 | 79 | $480,015 |
| 1988 | 6 | $14,308 |
| 1987 | 31 | $293,146 |
| 1986 | 370 | $3.9 million |
| 1985 | 6 | $13,424 |
| 1984 | 91 | $330,745 |
| 1983 | 123 | $793,237 |
| 1982 | 215 | $655,037 |
| 1981 | 125 | $368,549 |
| 1980 | 487 | $5.7 million |
| 1979 | 179 | $674,260 |
| 1978 | 31 | $83,051 |
Biggest flood events by NFIP payments
The flood events FEMA's claims data names most often for Washington, ranked by what the NFIP paid. FEMA names events in its claims records; claims without an event name aren't included here.
| Event | Year | Claims | Paid |
|---|---|---|---|
| Winter storm | 2007 | 1,017 | $52.3 million |
| 2025-12-AtmosphericRiver | 2025 | 824 | $48.3 million |
| Flooding | 1996 | 1,595 | $32.8 million |
| Torrential rain | 2006 | 1,092 | $28.3 million |
| Flooding | 1990 | 1,382 | $19.2 million |
| Mt. St. Helens Eruption | 1980 | 182 | $3.9 million |
| Flooding | 1986 | 279 | $3.1 million |
| Flooding | 1995 | 166 | $2.5 million |
| Flooding | 1997 | 112 | $901,983 |
| Flooding | 1979 | 118 | $543,707 |
What flood insurance costs in Washington
On June 30, 2026, 29,078 NFIP flood insurance policies were in force in Washington. For the 20,037 single-family homes among them, the typical (median) yearly cost was about $1,040; the average was $1,220.
| Rated flood zone | Policies | Typical yearly cost, single-family home | Average cost | Average building coverage |
|---|---|---|---|---|
| High-risk zones (A and V) | 19,749 | $1,060 | $1,330 | $228,000 |
| Moderate- and low-risk zones (B, C and X) | 9,311 | $990 | $970 | $236,000 |
Cost here is what FEMA's data lists as the policy cost: the premium plus the reserve fund assessment, federal policy fee and HFIAA surcharge. It covers single-family homes only (not condos, apartments or businesses), with costs rounded to the nearest $10 and shown only where at least 20 homes back the figure. Your own price depends on your building and the coverage you choose; see how flood insurance is priced. Private flood insurance isn't included.
Policies and average cost by exact flood zone
Flood history by county
Every Washington county in FEMA's data, sorted by number of NFIP claims since 1978. "Insured" is the share of homes with an NFIP policy; "typical NFIP cost" is the median yearly cost for single-family homes.
| County | Claims | Paid | Insured | Typical NFIP cost | Flood declarations |
|---|---|---|---|---|---|
| King County | 3,384 | $66.6 million | 0.8% | $990 | 11 |
| Lewis County | 2,102 | $82.7 million | 2.9% | $1,190 | 16 |
| Snohomish County | 1,961 | $37.1 million | 0.7% | $1,090 | 15 |
| Skagit County | 1,294 | $22.7 million | 4.9% | $1,010 | 13 |
| Whatcom County | 1,211 | $53.1 million | 1.9% | $990 | 8 |
| Pierce County | 1,106 | $26.0 million | 0.7% | $910 | 6 |
| Grays Harbor County | 921 | $14.0 million | 4.1% | $1,090 | 14 |
| Cowlitz County | 684 | $14.9 million | 2.0% | $1,290 | 7 |
| Thurston County | 387 | $6.5 million | 0.9% | $910 | 9 |
| Yakima County | 320 | $2.8 million | 0.9% | $1,160 | 3 |
| Mason County | 305 | $6.4 million | 1.2% | $1,210 | 14 |
| Island County | 279 | $4.1 million | 2.2% | $790 | 10 |
| Kittitas County | 255 | $3.4 million | 2.3% | $1,140 | 5 |
| Kitsap County | 229 | $4.2 million | 0.8% | $760 | 3 |
| Pacific County | 216 | $4.1 million | 2.3% | $1,260 | 11 |
| Chelan County | 183 | $3.0 million | 1.2% | $1,260 | 7 |
| Clark County | 162 | $2.3 million | 0.4% | $1,060 | 4 |
| Benton County | 109 | $1.5 million | 0.3% | $1,190 | 3 |
| Clallam County | 101 | $1.2 million | 0.8% | $960 | 15 |
| Walla Walla County | 100 | $1.9 million | 0.7% | $1,190 | 2 |
| Pend Oreille County | 99 | $1.6 million | 1.0% | $1,360 | 5 |
| Wahkiakum County | 93 | $1.8 million | 5.3% | $1,090 | 16 |
| Okanogan County | 89 | $478,776 | 0.8% | $1,340 | 6 |
| Spokane County | 62 | $1.8 million | 0.1% | $790 | 3 |
| Whitman County | 58 | $660,653 | 0.3% | $1,110 | 1 |
| Columbia County | 56 | $501,325 | 2.1% | $1,360 | 4 |
| Jefferson County | 53 | $623,025 | 1.0% | $940 | 15 |
| Klickitat County | 20 | $286,001 | 0.2% | $1,410 | 7 |
| Grant County | 18 | $80,819 | 0.5% | $940 | 1 |
| Skamania County | 15 | $333,937 | 0.4% | $1,240 | 12 |
| Stevens County | 15 | $61,426 | 0.3% | $1,210 | 1 |
| Lincoln County | 12 | $38,768 | 0.4% | $1,410 | 3 |
| San Juan County | 9 | $140,442 | 0.7% | $1,290 | 4 |
| Adams County | 8 | $9,901 | 0.1% | n/a | 1 |
| Asotin County | 4 | $54,480 | 0.1% | n/a | 1 |
| Douglas County | 4 | $50,029 | 0.2% | $1,590 | 0 |
| Ferry County | 4 | $53,740 | 0.3% | n/a | 3 |
| Garfield County | 2 | $95 | 1.1% | n/a | 4 |
| Franklin County | 1 | $0 | 0.1% | n/a | 2 |
Flood-related FEMA disaster declarations in Washington
Declarations since 2000 that FEMA lists as involving flooding. "Help for individuals" means FEMA's Individual Assistance was approved for at least part of the area.
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4906-WA | Apr 7, 2026 | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides | Yes |
| EM-3629-WA | Dec 12, 2025 | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides | No |
| DR-4775-WA | Apr 28, 2024 | Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides | No |
| DR-4682-WA | Jan 12, 2023 | Severe Winter Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides | No |
| DR-4650-WA | Mar 29, 2022 | Severe Winter Storms, Snowstorms, Straight-Line Winds, Flooding | No |
| DR-4635-WA | Jan 5, 2022 | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides | Yes |
| DR-4593-WA | Apr 8, 2021 | Severe Winter Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides | No |
| DR-4539-WA | Apr 23, 2020 | Severe Storms, Flooding, Landslides, and Mudslides | No |
| DR-4418-WA | Mar 4, 2019 | Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, Mudslides, Tornado | No |
| DR-4384-WA | Aug 17, 2018 | Flooding | No |
| DR-4309-WA | Apr 21, 2017 | Severe Winter Storms, Flooding, Landslides, Mudslides | No |
| DR-4253-WA | Feb 2, 2016 | Severe Winter Storm, Straight-Line Winds, Flooding, Landslides, Mudslides, and A T | No |
| DR-4249-WA | Jan 15, 2016 | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides | No |
| DR-4168-WA | Apr 2, 2014 | Flooding and Mudslides | Yes |
| EM-3370-WA | Mar 24, 2014 | Flooding and Mudslides | No |
| DR-4083-WA | Sep 25, 2012 | Severe Storm, Straight-Line Winds, and Flooding | No |
| DR-4056-WA | Mar 5, 2012 | Severe Winter Storm, Flooding, Landslides, and Mudslides | No |
| DR-1963-WA | Mar 25, 2011 | Severe Winter Storm, Flooding, Landslides, and Mudslides | No |
| DR-1817-WA | Jan 30, 2009 | Severe Winter Storm, Landslides, Mudslides, and Flooding | Yes |
| DR-1734-WA | Dec 8, 2007 | Severe Storms, Flooding, Landslides, and Mudslides | Yes |
| DR-1671-WA | Dec 12, 2006 | Severe Storms, Flooding, Landslides, and Mudslides | Yes |
| DR-1641-WA | May 17, 2006 | Severe Storms, Flooding, Tidal Surge, Landslides, and Mudslides | No |
| DR-1499-WA | Nov 7, 2003 | Severe Storms and Flooding | Yes |
What to do with this
A county's history doesn't tell you your own building's risk. To see your property's flood zone, use FEMA's flood map lookup. To weigh coverage, start with do I need flood insurance? and what flood insurance costs.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- NFIP Redacted Policies (v3) (FEMA (OpenFEMA)): NFIP policies in force on June 30, 2026 (a policy counts if its term covers that date and it wasn't cancelled), downloaded 2026-10-08. Policy counts are FEMA's insured units, so a condominium association policy counts each unit. Costs are FEMA's "policy cost" (premium plus reserve fund assessment, federal policy fee and HFIAA surcharge) for single-family homes only. Policies FEMA's data doesn't place in a county count toward the state only.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.