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Flood insurance cost · Grays Harbor County, WA

Flood insurance cost in Grays Harbor County, Washington

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,331 home policies in force on August 31, 2026.

Grays Harbor County, WashingtonPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,097a year

Half of insured homes paid between $877 and $1,366. That is 4% more than the Washington median ($1,058). Most insured homes here are rated in zone AE (64%).

$0$877 · $1,097 · $1,366$1,708
+6.5% vs Aug 31, 2025 (median $1,030)
1,331home policies in force
$1,245average cost (mean)
77%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.

Disaster declarations: 2 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Grays Harbor County.

Cost by flood zone in Grays Harbor 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 VE / V
High risk, coastal		$2,280$1,397–$2,775$2,19942 (3%)+16.1%
Zone AE
High risk		$992$819–$1,250$1,111848 (64%)+5.2%
Zone A
High risk		$1,460$1,119–$2,488$1,94690 (7%)+1.4%
Zone AH
High risk, shallow		$940$705–$1,092$95338 (3%)+3.0%
Zone X
Moderate to low risk		$1,265$1,084–$1,414$1,305307 (23%)+16.7%

Not shown (fewer than 10 home policies): AO, 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 Grays Harbor County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,252$1,096$1,243
2–4 unit building25$1,302$1,294
Manufactured (mobile) home38$1,166$1,465
Condo or apartment unit16$740$853
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.		36$3,340$5,336
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		164$2,004$2,474
1,531NFIP policies in force, any building
1,695insured units (condo association policies count every unit)
53%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Grays Harbor 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 force1,3511,331−1.5%
Median annual cost$1,030$1,097+6.5%
Average annual cost$1,161$1,245+7.2%
All policies in force (any building)1,5631,531−2.0%

How many homes have flood insurance?

4.1%of all homes in Grays Harbor County have an NFIP policy
18.9%of homes in high-risk zones (special flood hazard area) have one
32,985residential buildings counted by FEMA
5,533of 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 Grays Harbor County, Washington have filed 922 flood claims. 730 received a payment, for a total of $14.0 million (an average of $19,126 per paid claim). The year with the most claims was 2015 (281 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 12 claims19801981: 58 claims, 41 paid, $94,338 in total1982: 12 claims1990: 41 claims, 27 paid, $138,457 in total19901994: 12 claims1996: 69 claims, 52 paid, $591,261 in total1997: 38 claims, 34 paid, $421,275 in total1998: 10 claims1999: 35 claims, 28 paid, $766,975 in total20002003: 16 claims, 10 paid, $123,586 in total2006: 31 claims, 26 paid, $387,679 in total2007: 102 claims, 87 paid, $1,989,009 in total20072008: 11 claims2009: 71 claims, 68 paid, $1,668,558 in total200920102015: 281 claims, 244 paid, $5,605,046 in total201520202022: 44 claims, 39 paid, $1,263,492 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20224439$1,263,492$32,397
2015281244$5,605,046$22,972
20097168$1,668,558$24,538
200811<10––
200710287$1,989,009$22,862
20063126$387,679$14,911
20031610$123,586$12,359
19993528$766,975$27,392
199810<10––
19973834$421,275$12,390
19966952$591,261$11,370
199412<10––
19904127$138,457$5,128
198212<10––
19815841$94,338$2,301
197912<10––

From 2016 to 2026: 44 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.

ZIP codes in Grays Harbor County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Hoquiam (517 home policies) · Aberdeen (318 home policies) · Ocean Shores (224 home policies) · Unincorporated Grays Harbor County (206 home policies) · Westport (33 home policies) · Oakville (17 home policies)