Flood Claims Map

Washington

Flood insurance claims in Island County, Washington

FEMA records 279 National Flood Insurance Program claims in Island County, Washington, since 1979, with $4.1 million paid in total. The year with the most claims was 2006, with 46. As of 3 August 2026, 2.2% of homes here had an NFIP policy, and 30.3% of homes in the high-risk flood zone did.

NFIP claims on record279
Total paid$4.1 million
Claims with a payment201
Homes with NFIP policy2.2%
High-risk zone homes insured30.3%
Residential policies in force906

Claims by year of loss

1979: 519791980: 11981: 21982: 51983: 419831984: 11985: 01986: 01987: 019871988: 01989: 11990: 51991: 119911992: 21993: 01994: 11995: 119951996: 141997: 121998: 31999: 1219992000: 22001: 42002: 02003: 220032004: 12005: 22006: 462007: 220072008: 02009: 42010: 42011: 420112012: 192013: 22014: 02015: 220152016: 352017: 02018: 72019: 020192020: 42021: 212022: 382023: 220232024: 62025: 246

NFIP claims by year of loss, Island County, Washington

1979: $10,61119791980: $5501981: $8,7221982: $28,1031983: $8,63819831984: $01985: $01986: $01987: $019871988: $01989: $01990: $8,7601991: $019911992: $3,2311993: $01994: $10,6611995: $019951996: $306,1321997: $11,9511998: $1,5641999: $13,52319992000: $7502001: $3,2402002: $02003: $4,83120032004: $5,6022005: $5,9832006: $580,5062007: $020072008: $02009: $49,9882010: $14,4952011: $1,20520112012: $437,6722013: $5652014: $02015: $1,95120152016: $746,2292017: $02018: $87,0382019: $020192020: $58,7742021: $469,2012022: $971,3842023: $6,08820232024: $214,8092025: $33,818$971,384

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding17
2025-12-AtmosphericRiver2
Torrential rain1
Winter storm1

ZIP codes with the most claims

ZIP code (as reported)Claims
9828293
9823651
9824942
9827738
9826028
9825313
982397
982925
982781

215 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.8 million, contents $245,533, increased cost of compliance $45,298.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,57378030.3%
All homes41,1289062.2%

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.