Flood Claims Map

Washington

Flood insurance claims in Skagit County, Washington

FEMA records 1,294 National Flood Insurance Program claims in Skagit County, Washington, since 1978, with $22.7 million paid in total. The year with the most claims was 1990, with 272. As of 3 August 2026, 4.9% of homes here had an NFIP policy.

NFIP claims on record1,294
Total paid$22.7 million
Claims with a payment1,027
Homes with NFIP policy4.9%
High-risk zone homes insuredn/a
Residential policies in force2,457

Claims by year of loss

1978: 119781979: 471980: 791981: 11982: 519821983: 161984: 71985: 01986: 219861987: 01988: 01989: 291990: 27219901991: 11992: 11993: 01994: 019941995: 2171996: 91997: 61998: 119981999: 52000: 12001: 32002: 120022003: 1782004: 142005: 12006: 9620062007: 22008: 32009: 232010: 620102011: 132012: 32013: 02014: 520142015: 112016: 62017: 82018: 720182019: 02020: 72021: 702022: 1020222023: 12024: 02025: 1242026: 22026272

NFIP claims by year of loss, Skagit County, Washington

1978: $019781979: $105,5761980: $522,9401981: $01982: $20,14419821983: $44,1181984: $1,3711985: $01986: $2,13819861987: $01988: $01989: $113,4661990: $2.3 million19901991: $01992: $01993: $01994: $019941995: $2.8 million1996: $33,6121997: $6,5861998: $019981999: $30,6752000: $3,0782001: $23,6402002: $9,22520022003: $4.0 million2004: $97,5802005: $23,8792006: $1.4 million20062007: $02008: $6,4642009: $172,9212010: $10,04720102011: $51,5812012: $1,6692013: $02014: $101,73720142015: $53,5212016: $121,8702017: $155,5432018: $61,46920182019: $02020: $16,1202021: $2.2 million2022: $348,61520222023: $02024: $02025: $7.8 million2026: $40,9072026$7.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding351
2025-12-AtmosphericRiver121
Torrential rain81
Winter storm2

ZIP codes with the most claims

ZIP code (as reported)Claims
98284398
98273247
98255223
98233126
98237122
9823257
9826729
9823512
9825712
982838

1,020 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $20.4 million, contents $1.8 million, increased cost of compliance $469,243.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone02,245n/a
All homes50,6212,4574.9%

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.