Washington Home-Insurance Distress by County

Washington reads well above the national norm for home-insurance distress — 39 counties averaging 52/100, 11th of 52 states.

15 of Washington's 39 counties score 70 or higher (severe).

Washington's reading rests on a FEMA hazard average of 60/100 and NFIP flood-claim stress of 45/100.

Over three years Washington counties filed 917 NFIP flood claims, $51,509,495 paid.

Highest in Washington: Chelan County 94/100 (#61 US), Spokane County 92/100 (#76 US), Skagit County 89/100 (#157 US), King County 89/100 (#164 US), Yakima County 87/100 (#192 US).

Washington counties by insurance band: 15 medium (Washington), 11 low, 10 high, 3 zero; Washington NFIP claims, three years: 917; Washington payouts $51.5 million.

Washington counties with the most NFIP claims: Whatcom 304 ($22.2 million); King 219 ($10.3 million); Skagit 126 ($7.9 million) in Washington; Snohomish 76 ($3.5 million); Pierce 38 ($1.7 million).

Washington county average rose: 40.2 in March 2026; Washington reads 47.7 in October 2026; Washington by month: March 40.2, April 40.2, May 48.8 (Washington), June 49.1, July 47.7, August 49.8 (Washington), September 53.5, October 47.7.

Highest Washington ZIPs, insurance distress: 97538 62 (climate 89), 97532 62 (climate 89) in Washington, 97526 62 (climate 89), 97523 62 (climate 89) in Washington, 97543 62 (climate 89), 97531 62 (climate 89) in Washington.

Reading the Washington bands: 10 of 39 Washington counties sit in a high or worse insurance band; Washington filed 917 NFIP claims in three years, $51.5 million paid to Washington policyholders; a Washington county's band moves when FEMA hazard revisions, new Washington NFIP settlements or carrier filings change its monthly score.