How Much Is Flood Insurance in Washington? Average Flood Insurance Cost and Coverage

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ByMark Fitzpatrick
Edited byScott Strandberg
ByMark Fitzpatrick
Edited byScott Strandberg

Updated: May 22, 2024

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Learning how much flood insurance costs in Washington helps you make a well-informed decision. Flood insurance rates in Washington are dependent on which county you live in and the risk factors that the area has. These factors include but are not limited to ground elevation, construction type, building age and more.

Generally, your renters or homeowners insurance policies don’t cover damages from natural flooding. However, it’s crucial to get flood coverage, as the Federal Emergency Management Agency (FEMA) says that an inch of water could cost up to $25,000 in damages.

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Although flood insurance costs do largely depend on your geographical area, there are other factors involved as well, such as your home’s age and elevation.

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Typically, flood insurance in Washington costs $217 more per year than the national average.

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Flood insurance costs vary widely from county to county within Washington, with average rates reaching as high as $1,735 and as low as $636.

Average Cost of Flood Insurance in Washington

The annual average flood insurance cost in Washington is $984. Your residential area and individual property risks affect the rate of your insurance premiums. Insurance companies may charge you more if you live in a high-risk flood area.

Average Cost of Flood Insurance by County in Washington

Washington residents pay an average of $217 more than the national average cost for flood insurance per year because Washington may have more high-risk flood areas than other states.

MoneyGeek found that Adams County in Washington has the cheapest average flood insurance cost per year at $636. However, the most expensive flood insurance cost in Washington is an average of $1,735 per year in Whitman County.

The table below shows how much flood insurance costs in Washington.

Washington Flood Insurance Cost Per County
ADAMS COUNTYAverage Cost$636
ASOTIN COUNTYAverage Cost$1,305
BENTON COUNTYAverage Cost$884
CHELAN COUNTYAverage Cost$700
CLALLAM COUNTYAverage Cost$884
CLARK COUNTYAverage Cost$833
COWLITZ COUNTYAverage Cost$826

Companies That Offer Flood Insurance in Washington

Washingtonians who want flood insurance may reach out to private insurance companies or the NFIP. Private providers offer standard policies similar to an NFIP policy. However, these private insurers also provide an excess policy that provides coverage beyond what you’ll find in your standard NFIP policy.

Opting for a private insurance provider may be best for households outside an NFIP community or those that require more coverage than the NFIP provides.

Private Flood Insurance Providers in WA and Their Contact Numbers

Neptune Flood


Aon Private Flood


Hiscox - FloodPlus


FloodSimple Insurance Services




The NFIP works with different insurance companies in Washington to provide homeowners with flood coverage. MoneyGeek created a list of NFIP-participating insurance providers and their contact details.

NFIP-Participating Flood Insurance Providers in State and Their Contact Numbers

Allstate Insurance Company

(800) 527-2634

American Commerce Ins. Co.

(800) 562-4517

American Family Mutual Ins. Co

(800) 692-6326

American Nat. Prop. & Casualty

(417) 887-4990

American Strategic Ins. Corp.

(866) 274-8765


(800) 423-4403

Auto Owners Insurance Co.

Refer to the Agent locator

Bankers Insurance Group, DBA: First Community Insurance Company

(800) 627-0000

How to Purchase Flood Insurance and Its Coverage Requirements

Now that you know how much flood insurance costs in Washington, it’s time to know the requirements and how to get a policy.

Fortunately, there are no special requirements, so you can easily buy flood insurance in Washington. Contact the NFIP at 877-336-2627 or your home insurance provider to start your application.

Note that the NFIP has a 30-day waiting period. MoneyGeek suggests you get your flood insurance policy as soon as possible. You can reach out to private insurance companies, but these will also have at least a 10-day waiting period.

Nevertheless, it’s best to confirm with your agent.

What Does Flood Insurance Cover in Washington?

Flood insurance covers your home and belongings from damages due to natural flooding. Remember, the average damage cost for just an inch of water is $25,000.

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Flooding in this manner is construed as damage from natural calamities and not from leaking pipes, clogged drainage or poor roofing.

Generally, flood insurance also protects your belongings aside from structural damage. However, it doesn’t cover vehicle flooding, basement storage, landscaping or documents.

Flood Insurance Building Coverage

This part of your coverage protects you from unexpected costs from various physical damages to your home’s structure.

It also covers:

  • Built-in furniture
  • Permanent carpets
  • Built-in appliances
  • Furnaces
  • Plumbing systems
  • Electrical systems
  • Foundation walls

Getting an NFIP policy can protect these elements of your home with up to $250,000 worth of coverage.

Flood Insurance Contents Coverage

In addition to the built-in features in your property, flood insurance also covers personal belongings through the portion of the policy known as contents coverage.

Some of those items include:

  • Furniture
  • Sculptures
  • Paintings
  • Electronic equipment
  • Washers and dryers
  • Clothes.

An NFIP policy provides up to $100,000 worth of contents coverage.

Factors That Affect Flood Insurance Costs in Washington

Insurance companies mainly used the individual’s location (up until September 2021) to compute the cost of flood insurance, and it’s still a crucial factor. Today, FEMA lets people check the historical flood risk of U.S. counties for each state through interactive maps.

Since 1996, Skamania County has had the fewest flood events, with just two of them, while Okanogan County has the most flood occurrences at 52. The average cost of flood insurance in these counties is $772 and $974, respectively. Okanogan County does not have the state’s highest flood insurance costs, although this is likely due to the fact that this is an exceptionally large county where flooding events are quite spread out.

Risk Rating 2.0

FEMA introduced Risk Rating 2.0 in October 2021. It evaluates individual property risks, like elevation, frequency of flooding, proximity to bodies of water and more.

This rating system provides more information, so insurance providers can give more accurate quotes. In the Risk Rating 2.0 system, your premiums are affected by much more than just where you live. MoneyGeek compiled information about flood insurance cost factors in the table below.

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    Flood Risk

    This refers to the chances of flooding in your geographical area. That said, Risk Rating 2.0 reviews various factors, so you might get a different quote from your neighbor.

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    Coverage Type

    The kind of coverage you want affects your insurance premium rate. More coverage means additional costs for your premium. Depending on your county, the availability of certain features may vary.

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    Higher deductibles result in more affordable premiums. But, if you choose a high deductible, it will cost you more when you file a claim. Deductibles typically range between $1,000 and $10,000.

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    Age of Structure

    Insurance companies evaluate when the property was built. Older structures mean more significant insurance premiums.

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    Structure Design

    A poorly designed or built structure may affect your rates. Insurance providers evaluate how your property is built and factor it into your premiums.

Do You Need Flood Insurance in Washington?

Your renters and homeowners insurance typically don’t cover flood insurance, even though every building is vulnerable to damage from natural calamities like floods. Therefore, getting flood insurance is a wise choice. It protects you and your home even if you reside in a low-risk area.

Moreover, homeowners with mortgages who live in moderate- or high-risk flood areas must acquire flood insurance.

Private flood insurance offers various advantages. Insurers must pay claims if your building gets flooded, even without a presidential disaster announcement. Federal disaster assistance also helps property owners, but only up to a maximum of $5,000 per household. Flood insurance can provide much more coverage.

Flood insurance gives you peace of mind since it adds another layer of security and protection to your home. Plus, it also protects your belongings.

Frequently Asked Questions About Washington Flood Insurance

Finding out how to estimate flood insurance costs may be overwhelming. MoneyGeek answered these frequently asked questions to help you improve your understanding of flood insurance in Washington.

What is the average cost of flood insurance in Washington?
Which companies offer flood insurance in Washington?
What kind of damage does flood insurance cover?
What affects flood insurance rates in Washington?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.