Flood insurance cost in Washington
In Washington, the lowest private flood insurance quote ran $646 a year and the typical private quote ran $1,429. The NFIP quote ran $2,600.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 76% below the NFIP quote, and private was the cheaper option for 95% of those 39 properties. The typical private quote came in 32% below NFIP.
Median annual premiums from 925 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $748 | $1,773 | $3,227 | 606 |
| Residential properties | $646 | $1,437 | $2,600 | 865 |
How quotes have moved since 2020
- Lowest private quote$673 in 2025
- Typical private quote$1,230 in 2025
- NFIP quote$2,050 in 2025
Dashed lines span years with too few quotes to report a figure.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $702 | $1,344 | $2,620 | 244 |
| 2021 | $648 | $1,118 | n/a | 186 |
| 2025 | $673 | $1,230 | $2,050 | 458 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Washington?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Washington was $1,429 a year and the lowest private quote a property received was $646. NFIP quotes ran $2,600. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Washington?
- Where a property was quoted both ways, the lowest private quote came in a median 76% below the NFIP quote, and private was the cheaper option for 95% of those 39 properties. The typical private quote came in 32% below NFIP.
- Where do these numbers come from?
- From 925 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Washington
- Flood insurance in Washington: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.