Flood history / Washington
Washington
flood claim history.
Across the 34 Washington ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $251.1M on 9,511 claims between 1978 and 2026. ZIP 98065 in King County carries the most at 1,194, 12.6% of the state total shown here.
The events driving the most paid claims across these ZIPs are Torrential rain (862 claims), 2025-12-AtmosphericRiver (576 claims) and Mt. St. Helens Eruption (131 claims).
13.8% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Washington ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 98065 | King County | 1,194 | $23.7M | 2009 364 |
| 98531 | Lewis County | 991 | $35.6M | 2007 355 |
| 98532 | Lewis County | 808 | $40.1M | 2007 260 |
| 98284 | Skagit County | 416 | $8.5M | 1995 98 |
| 98520 | Grays Harbor County | 358 | $3.4M | 2015 112 |
| 98295 | Whatcom County | 348 | $23.1M | 2025 136 |
| 98294 | Snohomish County | 317 | $5.6M | 2006 68 |
| 98223 | Snohomish County | 298 | $8.0M | 2006 55 |
| 98290 | Snohomish County | 298 | $4.9M | 2009 60 |
| 98247 | Whatcom County | 294 | $11.5M | 2021 106 |
| 98550 | Grays Harbor County | 270 | $4.6M | 2015 158 |
| 98273 | Skagit County | 247 | $2.6M | 1990 93 |
| 98045 | King County | 244 | $6.1M | 2009 67 |
| 98027 | King County | 240 | $5.8M | 1990 64 |
| 98255 | Skagit County | 224 | $4.9M | 2003 50 |
| 98390 | Pierce County | 217 | $6.1M | 2009 111 |
| 98272 | Snohomish County | 215 | $2.7M | 2006 31 |
| 98038 | King County | 210 | $4.4M | 1990 61 |
| 98626 | Cowlitz County | 186 | $3.7M | 1986 35 |
| 98443 | Pierce County | 181 | $4.6M | 1996 47 |
| 98014 | King County | 178 | $4.6M | 2009 59 |
| 98611 | Cowlitz County | 170 | $4.6M | 1980 82 |
| 98248 | Whatcom County | 166 | $4.7M | 1990 27 |
| 98584 | Mason County | 162 | $2.2M | 1997 33 |
| 98377 | Lewis County | 149 | $2.8M | 2006 49 |
| 98292 | Snohomish County | 146 | $2.5M | 2009 34 |
| 98252 | Snohomish County | 133 | $2.0M | 2006 67 |
| 98922 | Kittitas County | 131 | $2.0M | 2009 45 |
| 98233 | Skagit County | 130 | $3.5M | 2025 46 |
| 98237 | Skagit County | 122 | $1.5M | 2003 29 |
| 98256 | Snohomish County | 122 | $2.5M | 2006 39 |
| 98632 | Cowlitz County | 122 | $2.3M | 1980 40 |
| 98674 | Cowlitz County | 120 | $1.8M | 1996 99 |
| 98371 | Pierce County | 104 | $4.3M | 1996 21 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.