Flood Claims Map

Washington

Flood insurance claims in King County, Washington

FEMA records 3,384 National Flood Insurance Program claims in King County, Washington, since 1978, with $66.6 million paid in total. The year with the most claims was 2009, with 668. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 44.1% of homes in the high-risk flood zone did.

NFIP claims on record3,384
Total paid$66.6 million
Claims with a payment2,676
Homes with NFIP policy0.8%
High-risk zone homes insured44.1%
Residential policies in force4,529

Claims by year of loss

1978: 1119781979: 231980: 271981: 201982: 2319821983: 151984: 91985: 11986: 13019861987: 81988: 41989: 101990: 40819901991: 221992: 61993: 51994: 619941995: 2411996: 2981997: 521998: 2219981999: 172000: 22001: 162002: 420022003: 272004: 62005: 112006: 44720062007: 752008: 572009: 6682010: 6020102011: 212012: 402013: 202014: 2620142015: 752016: 152017: 232018: 420182019: 182020: 1082021: 182022: 4920222023: 172024: 62025: 2122026: 12026668

NFIP claims by year of loss, King County, Washington

1978: $45,00619781979: $108,0071980: $186,3191981: $38,4541982: $79,14519821983: $30,6241984: $20,3871985: $01986: $1.1 million19861987: $69,7751988: $5,3481989: $35,1731990: $5.8 million19901991: $200,8951992: $10,0531993: $8,6461994: $5,88619941995: $2.6 million1996: $3.6 million1997: $494,2671998: $64,16519981999: $121,4302000: $2742001: $240,4082002: $61620022003: $159,1072004: $41,3092005: $114,7532006: $11.5 million20062007: $1.7 million2008: $711,3112009: $18.9 million2010: $317,37620102011: $114,4292012: $710,5422013: $143,6492014: $263,23820142015: $524,6772016: $338,5862017: $133,5412018: $1,26720182019: $543,4752020: $2.6 million2021: $53,4752022: $2.4 million20222023: $289,7422024: $282,7142025: $10.0 million2026: $02026$18.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding793
Torrential rain410
2025-12-AtmosphericRiver203
Winter storm72
Mt. St. Helens Eruption5

ZIP codes with the most claims

ZIP code (as reported)Claims
980651,194
98045244
98027238
98038209
98014176
9801971
9804763
9816660
9802458
9805854

2,354 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $57.9 million, contents $8.2 million, increased cost of compliance $501,127.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5,7972,55844.1%
All homes578,3634,5290.8%

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.