Flood insurance cost · Washington County, OR

Flood insurance cost in Washington County, Oregon

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 950 home policies in force on August 31, 2026.

Washington County, OregonPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$866a year

Half of insured homes paid between $630 and $1,213. That is 24% less than the Oregon median ($1,146). Most insured homes here are rated in zone AE (53%).

$0$630 · $866 · $1,213$1,516

+1.9% vs Aug 31, 2025 (median $850)

950home policies in force

$1,027average cost (mean)

62%of insured homes in high-risk zones (A, V)

$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Washington County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$932	$734–$1,289	$1,114	499 (53%)	+2.2%
Zone A High risk	$1,152	$828–$1,765	$1,543	86 (9%)	−1.9%
Zone X Moderate to low risk	$681	$500–$1,083	$787	365 (38%)	+2.1%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Washington County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	815	$887	$1,052
2–4 unit building	42	$1,129	$1,202
Manufactured (mobile) home	13	$1,561	$1,437
Condo or apartment unit	80	$628	$611
Whole residential building (5+ units or condo association) One policy covers the whole building, so the cost is much higher than for a single home.	98	$1,780	$2,272
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	198	$2,332	$2,760

1,246NFIP policies in force, any building

1,448insured units (condo association policies count every unit)

73%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Washington County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

	Aug 31, 2025	Aug 31, 2026	Change
Home policies in force	961	950	−1.1%
Median annual cost	$850	$866	+1.9%
Average annual cost	$990	$1,027	+3.7%
All policies in force (any building)	1,261	1,246	−1.2%

How many homes have flood insurance?

0.6%of all homes in Washington County have an NFIP policy

38.1%of homes in high-risk zones (special flood hazard area) have one

176,868residential buildings counted by FEMA

1,766of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Washington County, Oregon have filed 411 flood claims. 308 received a payment, for a total of $5,543,263 (an average of $17,998 per paid claim). The year with the most claims was 1996 (179 claims). Amounts are in dollars of the time, not adjusted for inflation.

Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.

All years with at least 10 claims (7)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2015	33	28	$693,443	$24,766
2010	13	10	$295,300	$29,530
2009	16	13	$184,589	$14,199
2007	27	23	$491,949	$21,389
1997	16	12	$97,660	$8,138
1996	179	147	$2,969,409	$20,200
1980	13	<10	–	–

2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Unincorporated Washington County (517 home policies) · Tualatin (117 home policies) · Beaverton (103 home policies) · Hillsboro (76 home policies) · Tigard (60 home policies) · Forest Grove (21 home policies)