Flood insurance claims in Pacific County, Washington

FEMA records 216 National Flood Insurance Program claims in Pacific County, Washington, since 1978, with $4.1 million paid in total. The most claims in one year was 18, in 1981 and 1982. As of 3 August 2026, 2.3% of homes here had an NFIP policy, and 18.3% of homes in the high-risk flood zone did.

NFIP claims on record216

Total paid$4.1 million

Claims with a payment168

Homes with NFIP policy2.3%

High-risk zone homes insured18.3%

Residential policies in force393

Claims by year of loss

NFIP claims by year of loss, Pacific County, Washington

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

Named flood events with the most claims

Event (FEMA name)	Claims
Winter storm	16
2025-12-AtmosphericRiver	8
Flooding	5
Torrential rain	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
98577	57
98590	50
98586	39
98547	25
98638	22
98624	9
98640	7
98644	2
98631	2
98637	1

94 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.8 million, contents $306,703, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	218	40	18.3%
All homes	17,387	393	2.3%

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

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.