Riverways are floodways in WA
Washington state rivers

This blog will answer common questions that we get about flood insurance in Washington state.  We will also share some statistics and links if you get really into the research for flood insurance in Washington, This page is our attempt to pull all the information you could be interested in precisely the cost of flood insurance in Washington state. We will also review the difference in Washingtonians NFIP policies and Washington States Private flood Insurance Market and finish up with WA’s Lloyd of London Flood Insurance companies. We would like to hear your thoughts so, please share, comment, ask questions or if you want us to explore a topic further let us know. To keep it easy we have some quick jumps to sections that you might be interested in learning more. Enjoy. Your flood Nerd. 

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Yes, please start shopping my Flood Insurance


Does my homeowner’s insurance cover flooding?
Do I need flood insurance in Washington?
What are my flood insurance options in Washington state?
Washington NFIP flood insurance
Washington private flood insurance market
How much does flood insurance cost in Washington State?
How to save money on Flood Insurance in Washington state’s VE flood zone
Five things you need to know about flood insurance in Seattle WA
Washington Flood Insurance calculator
Cost of flood insurance in Washington? (click on your city to find the average)





Chelan County, WA
Average Cost of flood
insurance $611
Clallam County, WA
Average Cost of flood
insurance $900
Clark County, WA
Average Cost of flood
insurance $670
 Vancouver, WA
Average Cost of flood
insurance $859
Woodland, WA
Average Cost of flood
insurance $751
Cowlitz, WA
Average Cost of flood
insurance $648
Aberdeen, WA
Average Cost of flood
insurance $1,537
Hoquiam WA
Average Cost of flood
insurance $1,571
Ocean Shores, WA
Average Cost of flood
insurance $441
Island County, WA
Average Cost of flood
insurance $1,140
Auburn & Bellevue, WA
Average Cost of flood
insurance $791
Port Townsend, WA
Average Cost of flood
insurance $701
Kent, WA
Average Cost of flood
insurance $1,226
King County, WA
Average Cost of flood
insurance $869
North Bend, WA
Average Cost of flood
insurance $950
Redmond, WA
Average Cost of flood
insurance $617
Renton, WA
Average Cost of flood
insurance $1308
Seattle, WA
Average Cost of flood
insurance $630
Snoqualmie, WA
Average Cost of flood
insurance $1,457
Centralia, WA
Average Cost of flood
insurance $856
Chehalis, WA
Average Cost of flood
insurance $1,588
Mason, WA
Average Cost of flood
insurance $1,051
Okanogan County, WA
Average Cost of flood
insurance $655
Long Beach, WA
Average Cost of flood
insurance $427
Orting WA
Average Cost of flood
insurance $640
Pierce County, WA
Average Cost of flood
insurance $624
Puyallup, WA
Average Cost of flood
insurance $819
Summer City, WA
Average Cost of flood
insurance $901
Tacoma, WA
Average Cost of flood
insurance $901
University Place, WA
Average Cost of flood
insurance $901
Burington WA
Average Cost of flood
insurance $1,022
Skagit County, WA
Average Cost of flood
insurance $1,000
Snohomish County, WA
Average Cost of flood
insurance $1,141
Stanwood & Sultan, WA
Average Cost of flood
insurance $1,141
Thurston County, WA
Average Cost of flood
insurance $734
Whatcom County, WA
Average Cost of flood
insurance $944
Ferndale & Everson, WA
Average Cost of flood
insurance $944
Toppenish, WA
Average Cost of flood
insurance $894
Yakima & Wapato, WA
Average Cost of flood
insurance $894
Yakima County, WA
Average Cost of flood
insurance $894
Olympia, WA
Average Cost of flood
insurance $734
Lummi Indian Res., WA
Average Cost of flood
insurance $944
Pacific County, WA
Average Cost of flood
insurance $427
Jefferson County, WA
Average Cost of flood
insurance $701
Kelso, & Longview, WA
Average Cost of flood
insurance $648

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Yes, please shop my Flood Insurance

Does homeowner insurance cover flooding?

A typical Washington homeowners policy one written through Farmers, State Farm, Allstate, and Progressive, for instance, exclude flooding as something that the policy covers under their homeowner’s policy.

In most cases, the only way to get flood coverage is by purchasing a stand-alone flood insurance policy. However, you should ask your homeowners agent if you can get an endorsement to your homeowner’s policy to cover flooding. Don’t be too surprised if the answer is NO.

Flood Insurance rate maps can be as old as 40 years out of date
Flood Insurance Rate Maps


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Do Need flood insurance in Washington?

It is important to have flood insurance coverage in Washington because our beloved state has seen is a fair share of flooding.

Most Homeowners who own property in Washington think about flood insurance at some point, maybe before buying a home, or during the closing process, however many of us only think about it when a big storm is looming, or we have heard on the news that there is flooding forecasted. This time is too late.

If your home or business is in a flood zone that is considered low flood risk area, you are still at risk.

You may decide to forgo purchasing flood insurance coverage.

Your real estate agent and other insurance agents out of ignorance about the real risk might have told you-you didn’t need flood insurance because the property is in a non-lender required flood zone.

Statistically 20-percent of all flooding events across our nation come in areas that are considered low risk.

And our last few significant storms there was flooding in these low-risk areas an 90 percent of all those who had flood water in their home or building didn’t have flood insurance coverage.

Out of date flood insurance maps
washington Out of date Flood insurance maps


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We often hear that people believe that the government will help them and this is true.

However, there are a few things that must align for you to get government assistance.

1) the president of the united states must declare the flooding event as a state of emergency if this doesn’t happen then there won’t be assistance.
2) the average amount of aid a homeowner gets after a flood when they do not have flood coverage is $5,000, the average cost of damage to one’s property after a flood is $38,000+ and that $5K you get from the government? It comes in the form of a loan, and you will need to pay it back. Are you willing to gamble away your financial future by forgoing flood insurance coverage?

https://www.bloomberg.com/graphics/2017-fema-faulty-flood-maps/

One more note on these low-risk flood zone maps. Many of them are over 40+ years old.


If the area was developed, then there is likely more concrete creating a barrier for land that might have absorbed the massive downpour.

Because of all these factors, it is tough for property owners to know their actual risk of flooding. FEMA admits that their flood maps only give an idea for part of the risk. Our recent storms are facts that it can rain anywhere within Washington’s borders and you should consider getting flood coverage, so you are not uninsured when you need it most.

Fema flood zone maps often take years to go into effect after the terrain was studied, this gives the impression that the area is “more up to date” then it is.

The average cost for flood insurance in Washington in these Low-risk areas is $405 – $700 per year.

FEMA’s National Flood Insurance Program (NFIP), and all federally backed lenders rely on these maps to assess risk, set premium and determine who is required to purchase flood insurance.

Inadequate information about an area’s flood risk can leave property owners under or uninsured.


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What are my flood insurance options in Washington?

Washington NFIP flood insurance.

There are many options available in Washington in regards to flood insurance, but they fall into two main categories.

1_The National Flood Insurance Program (NFIP) also known as FEMA which is the Government option for flood insurance and has enjoyed a 50-monopoly on the flood insurance market.

Not private flood insurance but NFIP Resellers

If you have Nationwide flood insurance, State Farm Flood Insurance, Progressive Flood Insurance or any of the of the logos below, then you are buying the NFIP flood policy that has their logo on the declaration page and are just reselling through a government program. These companies are private companies, but their flood insurance is not. Here is a list of the 70 companies that resell the NFIP policy.

State Farm Flood Insurance and the FEMA policy
Nationwide Flood Insurance of NFIP

https://www.fema.gov/wyo_company

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Washington private flood insurance market

Lloyds of London flood Insurance quote
A Lloyds of London Flood insurance quote might make sense for you

There are alternative to the NFIP or government insurance, and this is called Private flood insurance most notably Lloyds of London Flood insurance. However, there are other options available in Washington. We shop all the possibilities for your property in your region to ensure you are getting the best premium if you are ready to have us do the work for you click here.

Our shopping does include the NFIP because sometimes we find that with government subsidies you can get a much better premium.

https://www.betterflood.com/quote/

Lloyds of London flood Insurance Washington Market

Washington is fortunate to have many Lloyds of London flood insurance options. Although many flood insurance companies will have you assume that there is only one option, nothing could be further from the truth.

Lloyds of London has a rich history and is attributed to have invented the very first modern insurance model. Unlike most of its competition, Lloyds of London is not a company but rather a corporate body; this structure works quote well obviously since it has been around for over 330 years. Lloyds operates under multiple financial backers that all pool their capital to spread the risk.

I have two blog post that takes a deep dive into Lloyds of London and what they mean to Washington’s flood insurance market if you are interested links are below.

https://www.betterflood.com/blog/lloyds-of-london-flood-insurance/

https://www.betterflood.com/blog/nfipvsprivate/

Lloyds also insures the world for flood insurance meaning they cover flooding events in India, Australia as well as much of Europe, you see the “game” of insurance is to spread your risk since Lloyds is worldwide they can easily do this.

My joke here is that Lloyds is banking on Gods promise that he won’t flood the entire world again, …..so they won’t have to pay out the whole worlds flood claim.

Yes, please start shopping my Flood Insurance


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How much does flood insurance cost in Washington state?

Many factors go into getting the Cost of flood insurance for Washington if your home in what is considered low-to-moderate risk.

$250K (Residental) /$500K (commercial) Building
NFIP Maximum Coverage Limits

Washingtons low-to Moderate Risk rate and cost.
(This is Flood Zone X) which is not a lender required flood zone.

This flood policy is usually identified as an X-flood zone then we would suggest the government Preferred Risk Policy (PRP) which is a subsidized policy and has set flood insurance coverage limits (see grid below)

Here a link if you want to dig into this one. Be ready for an eye chart because every option is public record and should be standardized accost whoever writes these policies.

The average cost for flood insurance in Washington with the maximum set limits in these Low-risk flood zone areas is $405 – $700 per year.

https://www.fema.gov/media-library-data/1523307331106-4cf9726b2eb04c3471a3e9d37a58fa6a/09_prp_508_apr2018.pdf

AE flood Insurance Rates for FEMA
FEMA High-risk Rates

If your property is in higher-risk flood zone usually identified with a Flood zone AE. Your lender will require you to have flood insurance.

The cost of flood insurance in Washington depends on many factors that are unique to the structure. We are going to try to give you an idea for the most common homes we see in Washington with subgrade crawlspace.

We will look at the cost of flood insurance for the NFIP maximum $250,000 for the (building only) with NO CONTENTS and our recommended deductible of $5,000.

We will be rating all this example on the NFIP as well as on a few of our Lloyds options.

Cost of Flood Insurance in Washington in high-risk flood zone AE


Yes, please start shopping my Flood Insurance


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Cost of Flood Insurance in Washington (WA) State within a High-risk Flood zone.

Our example is in Mount Vernon, but the premiums will be the same if in Seattle, Centralia, Burlington, Snoqualmie, Redmond, Vancouver, Aberdeen, Hoquiam, North Bend, and many others of Washington states flood zones.

We will be rating all this example on the NFIP as well as on a few of our Lloyds options.
Cost of Flood Insurance in Colorado in high-risk flood zone AE.

Our example is in Mount Vernon but the premiums will be the same if in high-risk flood zones in Chelan County, Clallam County, Clark County, Cowlitz County, Grays Harbor County, Island County, King County, Kitsap County, Kittitas County, Lewis County, Mason County, Okanogan County, Pacific County, Pierce County, Skagit County, Snohomish County, Thurston County, Whatcom County, and Yakima County. 

In our example, the Base Flood Elevation (BFE is 29) and is a home that was built before 1973.

NFIP option in Washington state Flood Zone AE

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

NFIP Annual premium in High-Risk flood zone is $1,095.00

This option is what we see if the property has had a flood loss before, an either doesn’t have an Elevation Certificate applied or the Elevation certificate showing that the lowest floor is 4 feet under the BFE for the area. You can use 10% of your coverage to cover other structures on your property

How much does Washington (WA) private flood insurance cost? – Lloyds of London Flood Insurance in Washington State (option 1)

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

Lloyds of London Colorado (option 1)
Annual premium in High-Risk flood zone is $842.33

This option is great, and we are thrilled when we can get this option. They can be a bit choosey about what risk they will accept, and will not take anything that has had a flood loss. They do offer coverage for basements (one of the few). This policy also has about $2,000 for loss of use. $2,000 for other structures can’t increase this coverage, so if you have a larger structure, please speak with your agent about how to increase this coverage or maybe get a separate policy for this “other structure” on your property. They do not require an Elevation Certificate to rate.

SHFA


Washington Private flood insurance – Lloyds of London Flood Insurance
(option 2)

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

Lloyds of London (option 2)  Annual premium in High-Risk flood zone is $776.78

This option is great, and we are delighted when we can get this option for our clients as well. They seem to be writing almost all risks. However, they do not write any property that is in a designated floodway or has the depth of -4 under the BFE in our example with our BFE being 29 if the lowest floor is 25 then they will not accept this risk, they will not take anything that has had a flood loss. They do offer limited coverage for basements about 2% of the building coverage (this is better than the NFIP but not exactly what we would like to see – better than nothing though). They do not require an Elevation Certificate to rate. And as a percentage of coverage for loss of use usually 10% of coverage. If you want coverage for other structures than that will need to be added on this policy. Note: make sure to tell your agent if there are any other structures on the property if the policy doesn’t have that written on the policy there will not be covered for any other structure. 


Private Flood insurance option (option 3)
Washington Private flood insurance (option 3) Not Lloyds

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

Annual premium in High-Risk flood zone is $2,850.00

This option will take properties that have had one flood loss before as long as it has been more than five years and the payout was under $100,000 on the claim. Their coverage matches the NFIP.  Will write practically all risks, don’t need an elevation certificate to rate and are sometimes a bit lower in premium than the NFIP. This case the NFIP Lloyds and NFIP are beating this option. 

Yes, please start shopping my Flood Insurance

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Washington State V and VE flood zones

V and VE flood zones with the NFIP can be extremely expensive. We have seen premium that is $30,000 a year for a single home family. This is ridiculous!!

We suggest that you let us shop your V or VE flood zones on to the private flood Market that is underwritten by Lloyds of London.  

We have been able to double even triple coverage for oceanfront properties.

The main issue that we see with beachfront properties is that on the NFIP they have a one-size-fits-all solution and many properties are paying over what we consider is a fair premium for waterfront houses.

How to save money on Flood Insurance in Washington state’s VE flood zones

All homes that are ocean facing are custom built so with this special consideration our Lloyds of London VE flood zone and other Private Flood Insurance options for oceanfront properties take this into consideration with variable coverage options as well as significant savings below is a case study for a property we were shopping just last week.

Our example was in the Copalis Beach, WA area and is in a VE flood zone map.

For the coverage of $250,000 with no contents and a $5,000 deductible, the NFIP annual cost for flood insurance in a VE flood zone is $13,859.00. Ouch!

Since we are who we are and experts in Flood Insurance we will look at every property every way possible to ensure that we are getting the best premium for our clients and WE often Do (smile wink)

We tried this same property on our Private flood options and were able to get the premium to under $2,500 and we have in some cases with similar properties gotten the annual premium to $600 this was a feather in our cap and made our clients very happy. Again all properties are unique in these VE flood zones but if we can find a private flood policy for you we guarantee it will be better then the NFIP option. Let us help you save money today.


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Things you need to know about flood insurance in Washington State

Flood Insurance quotes in Washington

COST OF FLOOD INSURANCE IN WASHINGTON STATE

Currently, Washington State has 35,250 NFIP policies in force to date with the total cost of $31,765,783 that would make the average for our state $901.00, of course, some will pay more, and some will pay less.

Let us do your Flood Insurance shopping to guarantee you are getting the best rate.


COST OF FLOOD INSURANCE IN CHELAN COUNTY, WASHINGTON STATE

Chelan County you have 418 flood policies and are paying the total of $255,672 to the federal government for your flood insurance, and this makes your average cost $611.65. If you are paying more, it might be a good idea to let us shop for a new policy.

COST OF FLOOD INSURANCE IN CLALLAM COUNTY, WASHINGTON STATE

Clallam County your average is $900.51 with 365 policies and paying the total of $328,688. What a beautiful place to live for “the strong people” and Sol Duc River or along the shores of Lake Crescent or Hoh River. We would be honored and willing to shop a flood policy for any Werewolf, Shape Shifter or Vampire who would like to save money on their flood insurance.


COST OF FLOOD INSURANCE IN CLARK COUNTY, WASHINGTON STATE

Clark County has 525 NFIP policies and is paying $352,142. Making your average $670.74 which is an excellent price for flood insurance if you are getting this price keep the policy in place as long as you can, if you aren’t getting this price, it might be a good idea to look for another option or have us Flood NERDS shop for you.

COST OF FLOOD INSURANCE IN VANCOUVER, WASHINGTON STATE

City of Vancouver Washington life and festivals continue even if flooding is forecasted love this drive. I guess paying the average of $859.86 for flood coverage through the NFIP allows you to know you will be covered in the event of a flood for a reasonable premium. With 447 flood policies and paying collectively $384,454. This interactive city map is fantastic.

https://www.cityofvancouver.us/ourcity/page/vancouver-and-columbia-river-our-history

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COST OF FLOOD INSURANCE IN WOODLAND, WASHINGTON STATE

The city of Woodland, Washington you have 513 flood policies and are spending the total of $385,360, making your average flood policy $751.19. Being the home of the Hulda Klager Lilac Garden, I bet the city smells amazing April through May. Although we don’t sell Volcano insurance, we can help you with your flood insurance if you are paying more than the average of $751.19 let us see if we can find better coverage at a better price. And buy Volcano insurance.

COST OF FLOOD INSURANCE IN COWLITZ, KELSO, AND LONGVIEW, WASHINGTON STATE

County of Cowlitz, WA City of Kelso and City of Longview collectively you have the 885 FEMA flood policies and are paying the total $573,926 with the average flood policy of $648.50. With the rich Columbia River and Kalama River, my mouth is watering with the anticipation of the smoked salmon I intend to have with my scrambled eggs, spinach, feta cheese, and sourdough toast. The Smoked Salmon is from WA of course. =)  


Yes, please start shopping my Flood Insurance


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COST OF FLOOD INSURANCE IN ABERDEEN, WASHINGTON STATE

Aberdeen, WA you have 470 National flood insurance program policies are paying the total of $722,484 to the federal program making the average cost of flood insurance $1,537.20. I would love to help you see if we can find a better premium for you. We are flood experts (Flood NERDS) and can help commercial properties, Condominium HOA, and residential properties control flood insurance cost and the Private flood insurance market in WA is growing. Let us shop for you by filling out our intake form.

COST OF FLOOD INSURANCE IN HOQUIAM, WASHINGTON STATE

Hoquiam, WA has 572 flood policies and is paying the total of $898,973 to FEMA making your average flood policy $1,571.63. I would think we can do better.

COST OF FLOOD INSURANCE IN OCEAN SHORES, WASHINGTON STATE

Ocean Shores you understand the draw of the water being on a peninsula and all your inter-connected lakes and canals. And you have your share of bird species. $411.86 is the average flood policy for this are (you guys have one of the best premiums considering all the water). If you aren’t paying this amount or if your NFIP premium jumps way up (+25% is forecasting shortly) it might be a good idea to keep your options open and let the flood nerds shop. You have 608 flood policies and are paying  a total of $250,420

COST OF FLOOD INSURANCE IN ISLAND COUNTY, WASHINGTON STATE

Island County, Washington, my favorite with all the bridges and water. You have 946 flood policies and are spending $1,078,829. Bringing your average to $1,140.41. I have a deal for you if I can save you money and you rent your home for VRBO let me know that I would love to spend a week in this beautiful country.


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COST OF FLOOD INSURANCE IN AUBURN, AND BELLEVUE, WASHINGTON STATE

COST OF FLOOD INSURANCE IN PORT TOWNSEND AND JEFFERSON COUNTY, WASHINGTON STATE

Auburn, WA, Bellevue, WA, Port Townsend, WA and Jefferson County, WA. We have been very blessed to work with many amazing real estate professionals and lenders in this area and have had much success in saving them significant time money on flood insurance for their clients. With 846 flood policies paying the total of $669,232. The average cost of flood insurance in this area is $791.05 if you are getting quotes higher let us see what we can do for you.

COST OF FLOOD INSURANCE IN KENT, WASHINGTON STATE

City of Kent, WA your average flood policy is around $1,226 with 715 flood policies with NFIP and paying the total of $876,892. I pause to wonder if you are overpaying for your flood insurance it looks like the Flood map is over 24 years old hasn’t the community grown during that time?

COST OF FLOOD INSURANCE IN KING COUNTY, WASHINGTON STATE

King County WA you are our leader in flood policies for Washington State with 2,290 active flood insurance policies and paying $1,991,568 total for the NFIP coverage. The average cost of flood insurance is $869.68. If you do not see this price, then let us know what we can do for you. We guarantee to shop the plan to all validate options within your region so you get a fair picture of what flood insurance should cost in your area.  


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COST OF FLOOD INSURANCE IN NORTH BEND, WASHINGTON STATE

The city of North Bend, WA you have 576 flood policies and are paying about that much in premium $547,412. Your average is about $950.36. The famous cult fiction Twin Peaks brought awareness to how beautiful and eerie this landscape region of Washington state. What mysteries are keeping?

COST OF FLOOD INSURANCE IN REDMOND, WASHINGTON STATE

The city of Redmond, WA we have you to thank for all the technology of this century, being the for the home of Microsoft and Nintendo. Your flood insurance average is $617.89. With 413 NFIP flood policies and paying the total of $255,189. PS thanks for Mario Bros!!

COST OF FLOOD INSURANCE IN RENTON, WASHINGTON STATE

City of Renton in Washington State, located on the southeast side of Lake Washington and divided by Cedar River, you are quite comfortable with water. I love SALMON!! You have 175 flood policies and are paying the total of $228,925 to the federal government. I think we can do better than the average flood insurance cost for Renton of $1,308. Give us a call to let us shop for your flood policy 1-866-990-7482 Your flood nerds.


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FLOOD NERD FISHING

COST OF FLOOD INSURANCE IN SEATTLE, WASHINGTON STATE

City of Seattle, Washington you have 796 flood policies and are paying $501,631. The average flood insurance policy for this area is $630.19. Which is rather good considering the number of policies if you are accomplishing this low premium by reducing coverage it might be a good idea to look at coverage through one of our private flood insurance options for Washington state. You might be able to increase your coverage and get a better price and reducing your risk.

COST OF FLOOD INSURANCE IN SNOQUALMIE, WA

The City of Snoqualmie Washington has one of our nation’s most beautiful waterfalls. You also have 476 flood policies and are paying $693,660. With the average flood insurance policy being $1,457 if you want to see if we can save you money and I think we can fill out our intake form to get us shopping.

COST OF FLOOD INSURANCE IN CENTRALIA, WASHINGTON STATE

City of Centralia, Washington is a beautiful stopping point between Seattle and Portland, Oregon. The average flood policy in this area is $865.64. With 676 flood policies and paying $585,174 to the federal program.


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Yes, please start shopping my Flood Insurance


COST OF FLOOD INSURANCE IN CHAHALIS, WASHINGTON STATE

The city of Chehalis and the rest of Lewis county has 1,177 NFIP policies and paying the total of $1,056,093 to bring your average to $897.27 although Chehalis is paying a slightly higher proportion of $1,588.

COST OF FLOOD INSURANCE IN MASON COUNTY, WASHINGTON STATE

Mason County you have 392 flood policies and are paying the total of $412,238 to bring your average to $1,051.

COST OF FLOOD INSURANCE IN OKANOGAN COUNTY, WASHINGTON STATE

Okanogan County, WA you have 239 flood policies with the average flood insurance cost being $655 and the total payment $156,611.

COST OF FLOOD INSURANCE IN LONG BEACH, AND PACIFIC COUNTY, WASHINGTON STATE

Long Beach, WA and Pacific County Washington combined has 763 flood policies, $326,324 is what you are shipping to DC in the form of flood premiums bringing your average to $427.68. WOW if you are getting this premium then maybe I should hire you. I am looking for good flood nerds that know how to save money on the cost of flood insurance in Washington state.


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NFIP vs Private Flood Insurance

COST OF FLOOD INSURANCE IN ORTING, WASHINGTON STATE

The city of Orting, WA you are quite familiar with the damage that flood waters can cause on November 7, 2006, when in 2 hours many of your houses were drowned halfway. Even if you are in what is considered low to moderate risk by on of FEMAS maps I would still highly recommend that you buy a flood policy they are quite reasonable considering the catastrophic event it would cover. You have 367 active flood policies and are paying the total of $234,924 making the average flood insurance cost $640.

COST OF FLOOD INSURANCE IN PIERCE COUNTY, WASHINGTON STATE

Pierce County, Washington you have 1,492 flood policies and are paying the total of $932,315. This cost would make your average $624. If you don’t see this premium lets see what we can do about it.

COST OF FLOOD INSURANCE IN PUYALLUP, WASHINGTON STATE

The city of Puyallup Washington, Your average flood insurance cost is $819.88. With 376 flood policies and paying the NFIP the total of $308,276. Thanks for hosting the Washington State Fair with flair making this event one of the ten largest our nation has.


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COST OF FLOOD INSURANCE IN SUMMER CITY, WASHINGTON STATE

COST OF FLOOD INSURANCE IN TACOMA, WASHINGTON STATE

COST OF FLOOD INSURANCE IN UNIVERSITY PARK, WASHINGTON STATE

Summer City, Tacoma, and University Place WA combined you have 492 flood insurance policies with the average cost of flood insurance in Washington state being $901 your premium average is around $709.12. And you are paying FEMA a total of $348,888.

COST OF FLOOD INSURANCE IN BURLINGTON, WASHINGTON STATE

Burlington is a city in Skagit County, Washington; you have a long history of flooding and with 975 flood policies and paying a total of $997,364 in coverage. The average is coming to $1,022 if you are spending more and have never had a flood loss then let’s look at the private flood market for your flood policy. If you are in an area where flood insurance isn’t required you should consult a flood insurance professional to talk about the potential risk of flooding considering the area’s history I would hate for you to be unprepared and uncovered if water comes into your beloved home.

COST OF FLOOD INSURANCE IN SKAGIT COUNTY, WASHINGTON STATE

Skagit County, Washington State you have 2,137 active flood insurance policies for the total premium being $2,137,088 bringing your average premium to $1,000.

COST OF FLOOD INSURANCE IN SNOHOMISH COUNTY, WASHINGTON STATE

COST OF FLOOD INSURANCE IN STANWOOD AND SULTAN, WASHINGTON STATE

Snohomish County with your cities of Stanwood and Sultan Washington. Collectively you have 1,978 active flood insurance policies and are paying to the total of $2,257,519 this makes the average flood insurance policy cost in Snohomish county Washington about $1,141.32


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FLOOD NERDS ROOTSCOST OF FLOOD INSURANCE IN THURSTON COUNTY & OLYMPIA, WASHINGTON STATE

Thurston County, WA, and Olympia, WA combined you have 753 Flood policies, paying the total of $553,430. Your average flood insurance cost is $734.96. Thanks for your commitment to Earth DAY and creatively leading the US state with your invention of the Procession of Species celebrations.

COST OF FLOOD INSURANCE IN WHATCOM COUNTY & LUMMI INDIAN RESERVATION, WASHINGTON STATE

COST OF FLOOD INSURANCE IN FERNDALE AND EVERSON, WASHINGTON STATE

Whatcom County, WA, Lummi Indian Reservation, Ferndale, WA and Everson City, Washington together you have 1633 NFIP flood policies $1,541,946 is what you are paying total. Bringing the average flood policy in this area to $944.24

COST OF FLOOD INSURANCE IN TOPPENISH, WASHINGTON STATE

COST OF FLOOD INSURANCE IN YAKIMA AND WAPATO, WASHINGTON STATE

COST OF FLOOD INSURANCE IN YAKIMA COUNTY, WASHINGTON STATE

Toppenish, Washington, Yakima City, Wapato City and the rest of Yakima County your average is flood insurance cost is $894.39. With 1131 FEMA flood policies and paying the total of $1,011,553.00


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Yes, please start shopping my Flood Insurance

NFIP COST OF FLOOD INSURANCE
COST OF FLOOD INSURANCE

For decades, the NFIP has over-charged 50 percent of its policyholders and under-charged the other 50 percent, while it has racked up $42 billion in taxpayer-funded losses, equating to more than half of every claim paid by the NFIP since 1978.

About 30 percent of NFIP claims payments go to the same 3 percent of insured “repetitive loss” structures year after year. When you do the math, this means that the other 97 percent of their flood-exposed constituents could have paid in less and still netted larger claims payouts if they had better access to private flood insurance. In fact, a recent white paper by Milliman found that 90 percent of homes in Sandy-struck New York and New Jersey would see reduced flood insurance rates through private insurers.


Flood Nerd Private Flood Insurance

ROBERT MURPHY
Robert Murphy is the Founder of Better Flood Insurance a nationwide Flood Insurance Agency. He is a flood nerd, is passionate about education around the need for Flood Insurance.
We shop all options to make sure we are getting our clients the best coverage at the best price.

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ROBERT MURPHY
Robert Murphy is the Founder of Better Flood Insurance a nationwide Flood Insurance Agency. He is a flood nerd, is passionate about education around the need for Flood Insurance.
We shop all options to make sure we are getting our clients the best coverage at the best price.


References the following documents contain additional hydrologic data, flood photos, historic flood descriptions, floodplain delineations, and other pertinent information, and should be considered supplemental to this flood warning plan:
https://bsa.nfipstat.fema.gov/reports/1011.htm#COT
https://www.fema.gov/average-claim-payments-date-loss
https://www.fema.gov/national-flood-insurance-program
https://www.fema.gov/media-library-data/1486576697135-ac6348fb2a3d98ceba33cf3f38422dbc/Claim_Loss_Counts_Sept2016.pdf
https://www.fema.gov/media-library-data/1458666638945-d752cb148ef1348b4b1c22acec66a0bd/Claim_loss_count2015.pdf
https://www.fema.gov/media-library-data/1393877884619-3091f75bf9d46a26f5beb7d423c34529/Total_Claim_Count_fy2013.pdf
https://www.weather.gov/safety/flood-states-wa
https://www.nwrfc.noaa.gov/floods/floods.cgi

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