Flood Claims Map

Washington

Flood insurance claims in Cowlitz County, Washington

FEMA records 684 National Flood Insurance Program claims in Cowlitz County, Washington, since 1979, with $14.9 million paid in total. The year with the most claims was 1980, with 168. As of 3 August 2026, 2.0% of homes here had an NFIP policy, and 30.8% of homes in the high-risk flood zone did.

NFIP claims on record684
Total paid$14.9 million
Claims with a payment537
Homes with NFIP policy2.0%
High-risk zone homes insured30.8%
Residential policies in force839

Claims by year of loss

1979: 119791980: 1681981: 61982: 111983: 1619831984: 21985: 11986: 561987: 419871988: 01989: 01990: 31991: 219911992: 01993: 01994: 01995: 3219951996: 1621997: 61998: 81999: 319992000: 12001: 32002: 02003: 1020032004: 22005: 02006: 212007: 420072008: 42009: 782010: 02011: 420112012: 32013: 32014: 62015: 3020152016: 12017: 62018: 12019: 320192020: 12021: 12022: 92023: 020232024: 02025: 82026: 4168

NFIP claims by year of loss, Cowlitz County, Washington

1979: $019791980: $3.5 million1981: $71,7111982: $16,9271983: $4,37619831984: $01985: $01986: $791,6431987: $168,67219871988: $01989: $01990: $5,5861991: $019911992: $01993: $01994: $01995: $747,68319951996: $3.4 million1997: $53,7931998: $57,9961999: $27,50019992000: $1,5942001: $10,5002002: $02003: $99,13120032004: $7902005: $02006: $470,2482007: $20,72920072008: $3,5302009: $2.4 million2010: $02011: $19,26020112012: $187,3252013: $101,9412014: $79,7212015: $1.6 million20152016: $02017: $55,0262018: $02019: $5,76720192020: $448,2362021: $7,5082022: $198,6392023: $020232024: $02025: $248,3762026: $154,295$3.5 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Cowlitz County, Washington

Named flood events with the most claims

Event (FEMA name)Claims
Flooding170
Mt. St. Helens Eruption150
Torrential rain13
2025-12-AtmosphericRiver8
Winter storm5

ZIP codes with the most claims

ZIP code (as reported)Claims
98626186
98611170
98632122
9867493
9862592
9864921

261 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $12.1 million, contents $2.7 million, increased cost of compliance $60,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,71652930.8%
All homes42,7038392.0%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.