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Flood insurance cost · Washington County, PA

Flood insurance cost in Washington County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 450 home policies in force on August 31, 2026.

Washington County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,492a year

Half of insured homes paid between $1,026 and $2,243. That is 21% more than the Pennsylvania median ($1,232). Most insured homes here are rated in zone AE (61%).

$0$1,026 · $1,492 · $2,243$2,804
+10.4% vs Aug 31, 2025 (median $1,351)
450home policies in force
$1,810average cost (mean)
78%of insured homes in high-risk zones (A, V)
$109,500median 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 zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,836$1,221–$2,692$2,108273 (61%)+7.7%
Zone A
High risk		$1,705$1,143–$2,146$1,81679 (18%)+12.7%
Zone X
Moderate to low risk		$904$600–$1,202$97598 (22%)+9.2%

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 buildingPoliciesMedianAverage
Single-family home410$1,484$1,801
2–4 unit building22$1,771$2,161
Manufactured (mobile) home13$1,886$1,957
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.		14$1,785$4,095
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		155$4,193$5,123

Not shown (fewer than 10 policies): condo or apartment unit.

619NFIP policies in force, any building
619insured units (condo association policies count every unit)
50%of home policies also cover contents
$49,000median 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, 2025Aug 31, 2026Change
Home policies in force477450−5.7%
Median annual cost$1,351$1,492+10.4%
Average annual cost$1,691$1,810+7.0%
All policies in force (any building)641619−3.4%

How many homes have flood insurance?

0.5%of all homes in Washington County have an NFIP policy
15.9%of homes in high-risk zones (special flood hazard area) have one
88,993residential buildings counted by FEMA
2,282of 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, Pennsylvania have filed 1,136 flood claims. 902 received a payment, for a total of $21.1 million (an average of $23,368 per paid claim). The year with the most claims was 1996 (163 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 24 claims, 13 paid, $24,243 in total1979: 25 claims, 17 paid, $29,299 in total1980: 31 claims, 22 paid, $119,808 in total19801981: 12 claims1983: 13 claims1985: 140 claims, 125 paid, $1,663,260 in total19851990: 17 claims, 10 paid, $46,124 in total19901994: 10 claims1996: 163 claims, 134 paid, $1,621,944 in total19962000: 107 claims, 79 paid, $730,404 in total20002003: 34 claims, 25 paid, $227,469 in total2004: 128 claims, 114 paid, $3,436,938 in total20042005: 10 claims20102011: 18 claims2013: 29 claims, 23 paid, $471,883 in total2017: 66 claims, 56 paid, $3,432,181 in total2018: 67 claims, 58 paid, $2,806,051 in total20202021: 44 claims, 36 paid, $885,081 in total2024: 83 claims, 73 paid, $3,958,987 in total2025: 18 claims, 15 paid, $571,913 in total
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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251815$571,913$38,128
20248373$3,958,987$54,233
20214436$885,081$24,586
20186758$2,806,051$48,380
20176656$3,432,181$61,289
20132923$471,883$20,517
201118<10––
200510<10––
2004128114$3,436,938$30,149
20033425$227,469$9,099
200010779$730,404$9,246
1996163134$1,621,944$12,104
199410<10––
19901710$46,124$4,612
1985140125$1,663,260$13,306
198313<10––
198112<10––
19803122$119,808$5,446
19792517$29,299$1,723
19782413$24,243$1,865

From 2016 to 2026: 278 claims (counting only years with at least 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

Roscoe (38 home policies) · Washington (33 home policies) · Peters (29 home policies) · Allenport (22 home policies) · Union (22 home policies) · Cecil (21 home policies)