Flood Claims Map

Washington

Flood insurance claims in Thurston County, Washington

FEMA records 387 National Flood Insurance Program claims in Thurston County, Washington, since 1979, with $6.5 million paid in total. The year with the most claims was 1996, with 87. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 42.8% of homes in the high-risk flood zone did.

NFIP claims on record387
Total paid$6.5 million
Claims with a payment306
Homes with NFIP policy0.9%
High-risk zone homes insured42.8%
Residential policies in force703

Claims by year of loss

1979: 319791980: 51981: 11982: 31983: 119831984: 01985: 01986: 21987: 119871988: 01989: 01990: 421991: 419911992: 11993: 11994: 21995: 1019951996: 871997: 91998: 71999: 1719992000: 02001: 12002: 22003: 020032004: 12005: 12006: 32007: 4820072008: 22009: 442010: 12011: 020112012: 32013: 12014: 22015: 1120152016: 22017: 52018: 32019: 020192020: 242021: 12022: 332023: 120232024: 12025: 187

NFIP claims by year of loss, Thurston County, Washington

1979: $6,20219791980: $48,4661981: $13,9221982: $4,1071983: $019831984: $01985: $01986: $6071987: $4,01519871988: $01989: $01990: $254,8651991: $15,25319911992: $01993: $78,5421994: $1441995: $162,46119951996: $1.8 million1997: $21,0141998: $4,8951999: $120,94719992000: $02001: $3,5592002: $02003: $020032004: $02005: $02006: $9,5992007: $1.4 million20072008: $02009: $423,2072010: $17,4102011: $020112012: $32,8052013: $02014: $2,6612015: $94,90820152016: $10,9482017: $63,4372018: $02019: $020192020: $1.1 million2021: $02022: $848,3162023: $020232024: $02025: $0$1.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding124
Winter storm45
Mt. St. Helens Eruption3
2025-12-AtmosphericRiver1

ZIP codes with the most claims

ZIP code (as reported)Claims
9857968
9851364
9859761
9853050
9851244
9850123
9850220
9858920
9857613
985316

246 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.3 million, contents $1.0 million, increased cost of compliance $149,820.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone94840642.8%
All homes77,0377030.9%

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.