Flood Claims Map

Washington

Flood insurance claims in Grays Harbor County, Washington

FEMA records 921 National Flood Insurance Program claims in Grays Harbor County, Washington, since 1978, with $14.0 million paid in total. The year with the most claims was 2015, with 281. As of 3 August 2026, 4.1% of homes here had an NFIP policy, and 18.9% of homes in the high-risk flood zone did.

NFIP claims on record921
Total paid$14.0 million
Claims with a payment729
Homes with NFIP policy4.1%
High-risk zone homes insured18.9%
Residential policies in force1,364

Claims by year of loss

1978: 319781979: 121980: 31981: 581982: 1119821983: 41984: 01985: 01986: 819861987: 01988: 01989: 01990: 4119901991: 01992: 21993: 41994: 1219941995: 41996: 691997: 381998: 1019981999: 352000: 12001: 72002: 320022003: 162004: 02005: 32006: 3120062007: 1022008: 112009: 712010: 320102011: 42012: 62013: 12014: 720142015: 2812016: 32017: 32018: 120182019: 02020: 02021: 62022: 4420222023: 22024: 02025: 1281

NFIP claims by year of loss, Grays Harbor County, Washington

1978: $1,76019781979: $15,8881980: $39,7381981: $94,3381982: $14,33019821983: $01984: $01985: $01986: $13,97619861987: $01988: $01989: $01990: $138,45719901991: $01992: $01993: $3,6661994: $139,96919941995: $63,1501996: $591,2611997: $421,2751998: $32,77619981999: $766,9752000: $02001: $17,1382002: $4,99320022003: $123,5862004: $02005: $02006: $387,67920062007: $2.0 million2008: $37,5772009: $1.7 million2010: $7,01720102011: $88,2712012: $61,1662013: $02014: $4,06320142015: $5.6 million2016: $19,0822017: $19,8932018: $5,95020182019: $02020: $02021: $189,3292022: $1.3 million20222023: $116,4322024: $02025: $14,846$5.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Winter storm100
Flooding81
Torrential rain16
2025-12-AtmosphericRiver1
Mt. St. Helens Eruption1

ZIP codes with the most claims

ZIP code (as reported)Claims
98520358
98550270
9856371
9856868
9854166
9856928
9859513
9853511
9853711
985628

724 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $12.1 million, contents $1.4 million, increased cost of compliance $463,738.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5,5331,04718.9%
All homes32,9851,3644.1%

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.