How much is Flood Insurance in Washington?


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What's the average cost on Flood Insurance in Washington?

The average cost per policy in Washington through the NFIP is $775.21. However, if you look at the different cities, they vary substantially! Your premiums will also vary depending on the deductibles you choose for buildings and content coverage. Here are the largest cities in California with their average flood insurance policy cost through NFIP.

Average Costs through the NFIP*

Average Cost per Policy
Spokane Valley

*Prices as of April, 2021.

Flood Insurance Rate Maps for Washington State

Knowing whether or not you're in a flood zone is a good first step towards deciding whether or not you want flood insurance. If you're in a flood zone, you may be required to get flood insurance. Even if you are not required by FEMA to get one, if you're in or near a flood zone, we highly recommend you consider it.

Do I need flood insurance?

90 percent of all natural disasters in the U.S. involve some type of flooding. If you look at the stats, you'll see that 20% of all flooding in the U.S. comes in areas that are considered low risk. So if you are close to a flood zone, even if it's not required, we highly recommend you consider flood insurance. The flood zone maps are often outdated, and cannot be entirely relied upon.

Standard Homeowner's insurance does not cover Flooding!

Sure, you could ask your agent to add flooding to your homeowner's policy, but even if it is something they offer, chances are they'll go with the National Flood Insurance Program (NFIP). It's easy for them, expensive for you! 

NFIP vs. Private Flood Insurance

You might save money by going through a private flood insurer, but either way you should know your what you're paying for. Certain things aren't covered by the NFIP, like your car, exterior structures, much of your basement's contents, and more. To find out exactly what is, and isn't covered, visit their website.

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