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Flood insurance cost · Skagit County, WA

Flood insurance cost in Skagit County, Washington

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,337 home policies in force on August 31, 2026.

Skagit County, WashingtonPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,039a year

Half of insured homes paid between $780 and $1,427. That is about the same as the Washington median ($1,058). Most insured homes here are rated in zone AE (61%).

$0$780 · $1,039 · $1,427$1,784
+10.8% vs Aug 31, 2025 (median $938)
2,337home policies in force
$1,224average cost (mean)
91%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 Skagit County.

Cost by flood zone in Skagit 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		$776$694–$924$78611 (0%)−5.4%
Zone AE
High risk		$1,115$835–$1,571$1,3411,437 (61%)+9.0%
Zone A
High risk		$924$686–$1,170$1,05030 (1%)+3.9%
Zone AO
High risk, shallow		$903$735–$1,253$1,068636 (27%)+5.7%
Zone AH
High risk, shallow		$1,018$878–$1,845$1,29815 (1%)+8.8%
Zone X
Moderate to low risk		$1,018$637–$1,198$949203 (9%)+10.1%

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

Type of buildingPoliciesMedianAverage
Single-family home2,097$1,036$1,223
2–4 unit building99$1,189$1,261
Manufactured (mobile) home122$993$1,310
Condo or apartment unit19$603$618
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.		97$2,226$2,562
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		536$1,793$2,124
2,970NFIP policies in force, any building
2,989insured units (condo association policies count every unit)
32%of home policies also cover contents
$90,000median contents coverage, when bought

One year on: Skagit 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 force2,3902,337−2.2%
Median annual cost$938$1,039+10.8%
Average annual cost$1,109$1,224+10.4%
All policies in force (any building)3,0322,970−2.0%

How many homes have flood insurance?

4.9%of all homes in Skagit County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
50,621residential 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 Skagit County, Washington have filed 1,300 flood claims. 1,031 received a payment, for a total of $22.7 million (an average of $22,012 per paid claim). The year with the most claims was 1990 (272 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 48 claims, 31 paid, $105,576 in total1980: 80 claims, 70 paid, $526,209 in total19801983: 17 claims, 11 paid, $44,118 in total1984: 10 claims1989: 29 claims, 23 paid, $113,466 in total1990: 272 claims, 206 paid, $2,335,341 in total199019901995: 217 claims, 185 paid, $2,772,711 in total199520002003: 178 claims, 155 paid, $3,963,076 in total20032004: 14 claims, 11 paid, $97,580 in total2006: 96 claims, 79 paid, $1,416,522 in total2009: 23 claims, 20 paid, $172,921 in total20102011: 13 claims2015: 11 claims20202021: 70 claims, 57 paid, $2,174,666 in total2022: 10 claims2025: 124 claims, 111 paid, $7,834,698 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
2025124111$7,834,698$70,583
202210<10––
20217057$2,174,666$38,152
201511<10––
201113<10––
20092320$172,921$8,646
20069679$1,416,522$17,931
20041411$97,580$8,871
2003178155$3,963,076$25,568
1995217185$2,772,711$14,988
1990272206$2,335,341$11,337
19892923$113,466$4,933
198410<10––
19831711$44,118$4,011
19808070$526,209$7,517
19794831$105,576$3,406

From 2016 to 2026: 204 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 Skagit County

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

Main NFIP communities in the county

Unincorporated Skagit County (1,392 home policies) · Burlington (423 home policies) · Mount Vernon (395 home policies) · La Conner (55 home policies) · Anacortes (44 home policies) · Hamilton (14 home policies)