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Flood insurance cost · Lewis County, WA

Flood insurance cost in Lewis County, Washington

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,005 home policies in force on August 31, 2026.

Lewis County, WashingtonPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,204a year

Half of insured homes paid between $958 and $1,507. That is 14% more than the Washington median ($1,058). Most insured homes here are rated in zone AE (62%).

$0$958 · $1,204 · $1,507$1,884
+14.0% vs Aug 31, 2025 (median $1,056)
1,005home policies in force
$1,403average cost (mean)
68%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 Lewis County.

Cost by flood zone in Lewis 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		$1,207$912–$1,683$1,446627 (62%)+10.8%
Zone A
High risk		$1,588$1,120–$2,566$2,10946 (5%)+17.5%
Zone X
Moderate to low risk		$1,197$1,047–$1,311$1,212317 (32%)+16.1%

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 Lewis County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home887$1,201$1,395
2–4 unit building35$1,291$1,466
Manufactured (mobile) home79$1,280$1,502
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.		31$2,239$2,755
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		178$2,236$3,177

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

1,214NFIP policies in force, any building
1,216insured units (condo association policies count every unit)
65%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Lewis 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 force1,0551,005−4.7%
Median annual cost$1,056$1,204+14.0%
Average annual cost$1,286$1,403+9.1%
All policies in force (any building)1,2811,214−5.2%

How many homes have flood insurance?

2.9%of all homes in Lewis County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
35,507residential buildings counted by FEMA
0of 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 Lewis County, Washington have filed 2,102 flood claims. 1,877 received a payment, for a total of $82.7 million (an average of $44,033 per paid claim). The year with the most claims was 2007 (639 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001980: 43 claims, 35 paid, $290,038 in total19801986: 27 claims, 18 paid, $757,606 in total1990: 264 claims, 229 paid, $4,831,742 in total199019901991: 17 claims, 10 paid, $162,970 in total1995: 25 claims, 22 paid, $263,338 in total1996: 550 claims, 501 paid, $15,222,804 in total19961998: 28 claims, 24 paid, $775,849 in total20002006: 92 claims, 79 paid, $3,342,488 in total2007: 639 claims, 607 paid, $42,755,069 in total20072009: 214 claims, 190 paid, $7,247,303 in total20102015: 39 claims, 33 paid, $900,815 in total20202022: 88 claims, 81 paid, $4,783,027 in total2025: 18 claims, 14 paid, $592,865 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251814$592,865$42,348
20228881$4,783,027$59,050
20153933$900,815$27,297
2009214190$7,247,303$38,144
2007639607$42,755,069$70,437
20069279$3,342,488$42,310
19982824$775,849$32,327
1996550501$15,222,804$30,385
19952522$263,338$11,970
19911710$162,970$16,297
1990264229$4,831,742$21,099
19862718$757,606$42,089
19804335$290,038$8,287

From 2016 to 2026: 106 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 Lewis County

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

Main NFIP communities in the county

Unincorporated Lewis County (538 home policies) · Centralia (338 home policies) · Chehalis (103 home policies) · Toledo (18 home policies)