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Flood insurance cost · Snohomish County, WA

Flood insurance cost in Snohomish County, Washington

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,726 home policies in force on August 31, 2026.

Snohomish County, WashingtonPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,134a year

Half of insured homes paid between $761 and $1,844. That is 7% more than the Washington median ($1,058). Most insured homes here are rated in zone AE (63%).

$0$761 · $1,134 · $1,844$2,305
+13.3% vs Aug 31, 2025 (median $1,001)
1,726home policies in force
$1,495average cost (mean)
79%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 Snohomish County.

Cost by flood zone in Snohomish 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		$667$637–$724$68610 (1%)+9.3%
Zone AE
High risk		$1,225$874–$2,274$1,7091,088 (63%)+12.2%
Zone A
High risk		$1,210$942–$1,543$1,490178 (10%)+10.1%
Zone AH
High risk, shallow		$1,535$1,053–$2,542$1,90273 (4%)+15.2%
Zone X
Moderate to low risk		$644$456–$1,112$818371 (21%)+5.7%

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 Snohomish County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,534$1,122$1,488
2–4 unit building31$1,458$2,034
Manufactured (mobile) home134$1,243$1,650
Condo or apartment unit27$413$489
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$1,822$2,022
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		272$1,376$1,922
2,029NFIP policies in force, any building
2,112insured units (condo association policies count every unit)
63%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Snohomish 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 force1,8041,726−4.3%
Median annual cost$1,001$1,134+13.3%
Average annual cost$1,348$1,495+10.9%
All policies in force (any building)2,0982,029−3.3%

How many homes have flood insurance?

0.7%of all homes in Snohomish County have an NFIP policy
27.3%of homes in high-risk zones (special flood hazard area) have one
263,689residential buildings counted by FEMA
5,101of 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 Snohomish County, Washington have filed 1,968 flood claims. 1,607 received a payment, for a total of $37.1 million (an average of $23,110 per paid claim). The year with the most claims was 2006 (330 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 13 claims, 12 paid, $49,338 in total1980: 64 claims, 56 paid, $551,566 in total19801982: 33 claims, 30 paid, $125,258 in total1984: 21 claims, 17 paid, $61,147 in total1986: 62 claims, 49 paid, $597,278 in total1990: 243 claims, 202 paid, $3,644,484 in total199019901995: 180 claims, 150 paid, $2,829,902 in total1996: 97 claims, 81 paid, $1,192,269 in total1997: 24 claims, 17 paid, $217,439 in total1999: 27 claims, 19 paid, $229,385 in total20002002: 11 claims2003: 101 claims, 81 paid, $1,426,062 in total2006: 330 claims, 294 paid, $7,920,952 in total20062007: 35 claims, 30 paid, $1,271,489 in total2008: 14 claims, 10 paid, $160,462 in total2009: 215 claims, 167 paid, $3,501,541 in total20092010: 75 claims, 59 paid, $1,432,188 in total20102011: 18 claims, 10 paid, $256,033 in total2012: 36 claims, 23 paid, $754,809 in total2014: 16 claims, 15 paid, $2,785,430 in total2015: 129 claims, 108 paid, $2,009,091 in total2016: 20 claims, 13 paid, $311,229 in total2020: 18 claims, 10 paid, $499,163 in total20202023: 30 claims, 26 paid, $680,005 in total2025: 73 claims, 69 paid, $3,472,312 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20257369$3,472,312$50,323
20233026$680,005$26,154
20201810$499,163$49,916
20162013$311,229$23,941
2015129108$2,009,091$18,603
20141615$2,785,430$185,695
20123623$754,809$32,818
20111810$256,033$25,603
20107559$1,432,188$24,274
2009215167$3,501,541$20,967
20081410$160,462$16,046
20073530$1,271,489$42,383
2006330294$7,920,952$26,942
200310181$1,426,062$17,606
200211<10––
19992719$229,385$12,073
19972417$217,439$12,791
19969781$1,192,269$14,719
1995180150$2,829,902$18,866
1990243202$3,644,484$18,042
19866249$597,278$12,189
19842117$61,147$3,597
19823330$125,258$4,175
19806456$551,566$9,849
19791312$49,338$4,112

From 2016 to 2026: 141 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 Snohomish County (1,214 home policies) · Sultan (143 home policies) · Stanwood (110 home policies) · Edmonds (49 home policies) · Everett (29 home policies) · Marysville (28 home policies)