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Flood insurance cost · Pacific County, WA

Flood insurance cost in Pacific County, Washington

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 377 home policies in force on August 31, 2026.

Pacific County, WashingtonPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,296a year

Half of insured homes paid between $1,132 and $1,462. That is 22% more than the Washington median ($1,058). Most insured homes here are rated in zone X (90%).

$0$1,132 · $1,296 · $1,462$1,828
+13.1% vs Aug 31, 2025 (median $1,146)
377home policies in force
$1,428average cost (mean)
10%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: 1 FEMA declaration · individual aid. FEMA declarations and IRS tax relief in Pacific County.

Cost by flood zone in Pacific 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		$1,884$1,218–$3,273$2,36927 (7%)+17.8%
Zone X
Moderate to low risk		$1,267$1,123–$1,457$1,320341 (90%)+12.9%

Not shown (fewer than 10 home policies): VE, A, 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 Pacific County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home325$1,273$1,447
2–4 unit building13$1,308$1,283
Manufactured (mobile) home32$1,139$1,328
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		36$3,788$4,382

Not shown (fewer than 10 policies): condo or apartment unit, whole residential building (5+ units or condo association).

419NFIP policies in force, any building
426insured units (condo association policies count every unit)
90%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Pacific 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 force422377−10.7%
Median annual cost$1,146$1,296+13.1%
Average annual cost$1,256$1,428+13.7%
All policies in force (any building)468419−10.5%

How many homes have flood insurance?

2.3%of all homes in Pacific County have an NFIP policy
18.4%of homes in high-risk zones (special flood hazard area) have one
17,387residential buildings counted by FEMA
218of 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 Pacific County, Washington have filed 217 flood claims. 169 received a payment, for a total of $4,149,067 (an average of $24,551 per paid claim). The year with the most claims was 1981 (19 claims). Amounts are in dollars of the time, not adjusted for inflation.

0510152019801981: 19 claims, 16 paid, $105,157 in total19811982: 18 claims, 14 paid, $29,005 in total198219901995: 16 claims, 10 paid, $280,747 in total20002006: 16 claims, 13 paid, $417,281 in total2007: 16 claims, 10 paid, $437,585 in total2009: 17 claims, 15 paid, $245,792 in total200920102015: 17 claims, 15 paid, $550,504 in total20202022: 14 claims, 13 paid, $469,410 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 (8)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20221413$469,410$36,108
20151715$550,504$36,700
20091715$245,792$16,386
20071610$437,585$43,758
20061613$417,281$32,099
19951610$280,747$28,075
19821814$29,005$2,072
19811916$105,157$6,572

From 2016 to 2026: 14 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

Unincorporated Pacific County (319 home policies) · Long Beach (26 home policies) · Ilwaco (13 home policies)