Flood insurance in Snohomish County, Washington

How many buildings are insured against floods, what policies cost, and how much FEMA's flood insurance program has paid out, from official NFIP records.

Policies as of 5 September 2026Source: FEMA OpenFEMA
Active flood policies
2,145
NFIP policies in force
Average yearly premium
$1,206
$77 above the Washington average
Claims paid since 1978
$37.1M
across 1,961 claims
Policies in high-risk zones
80%
zones A and V, where known

Flood claims paid per year

NFIP claims paid in Snohomish County, 2000–2026

The three costliest years. The worst was 2006, with $7.9 million paid on 329 claims.

Insured buildings by flood zone

Zone V / VE0%
Coastal high-hazard areas with wave action. Flood insurance is required with a federally backed mortgage.
Zone A / AE80%
High-risk areas with a 1% chance of flooding each year. Insurance is required with a federally backed mortgage.
Zone X, B, C20%
Moderate to low risk. Insurance is optional, and policies are usually much cheaper.

Zone not reported for 39% of policies; shares are of policies with a known zone.

Costliest flood events

Named events by NFIP claims paid in Snohomish County

EventYearClaimsPaid
Torrential rain2006303$7.3 million
2025-12-AtmosphericRiver202571$3.4 million
Flooding1990200$2.8 million
Winter storm200733$1.3 million
Flooding199671$905 thousand

Flood insurance by ZIP code

ZIP codes in Snohomish County with at least 50 policies

ZIPPoliciesAvg premiumClaims since 1978Paid
98292274$736146$2.5 million
98294257$1,649317$5.7 million
98290230$1,329298$4.9 million
98223230$1,291298$8.0 million
98252173$1,586133$2.0 million
98272159$1,665215$2.7 million
98251137$1,65957$922 thousand
98036100$94143$1.8 million
9820177$1,08831$605 thousand
9802054$52313$153 thousand

Common questions

How much does flood insurance cost in Snohomish County?

The average NFIP flood insurance policy in Snohomish County costs about $1,206 a year. The Washington average is $1,129. Your own premium depends on your building's flood risk, elevation and the coverage you choose.

How many homes have flood insurance in Snohomish County?

There are about 2,145 National Flood Insurance Program policies in force in Snohomish County, according to FEMA's latest policy data. Private flood policies are not included.

How often does Snohomish County flood?

Since 1978, NFIP policyholders in Snohomish County have filed 1,961 flood claims, with $37.1 million paid out. 155 of those claims were in the last 10 years.

Does homeowners insurance cover flooding?

No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.

How long until a new flood policy starts?

NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.

How to get flood insurance

Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.

Other counties in Washington