Data · May 2026 data · 13-month trend
Washington Flood Insurance Costs
In May 2026, the average premium among Washington NFIP policies newly written or renewed that month was $1,112. That runs +13.3% above the national average of $982. That is 10.9% higher year over year. The month's tally covers 2,016 policy transactions across 39 counties, with Klickitat County posting the highest average premium at $3,824.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $1,112
- Avg total cost (with fees)
- $1,448
- Change (year over year)
- +10.9%
- vs national average
- +13.3%
- Policies written or renewed
- 2,016
- Counties reporting
- 39
Washington trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,003 | $1,315 | 2,186 | |
| June 2025 | $1,012 | $1,333 | 2,180 | |
| July 2025 | $1,022 | $1,341 | 2,020 | |
| August 2025 | $1,017 | $1,333 | 2,329 | |
| September 2025 | $956 | $1,258 | 2,662 | |
| October 2025 | $905 | $1,199 | 2,999 | |
| November 2025 | $1,009 | $1,330 | 2,916 | |
| December 2025 | $965 | $1,277 | 3,139 | |
| January 2026 | $970 | $1,277 | 2,449 | |
| February 2026 | $1,012 | $1,336 | 2,211 | |
| March 2026 | $1,008 | $1,326 | 2,316 | |
| April 2026 | $995 | $1,304 | 2,397 | |
| May 2026 | $1,112 | $1,448 | 2,016 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Klickitat County | $3,824 | $4,660 | 3 | |
| Franklin County | $3,780 | $4,645 | 4 | |
| Ferry County | $2,304 | $2,903 | 2 | |
| Whitman County | $2,271 | $2,842 | 5 | |
| Adams County | $1,895 | $2,308 | 1 | |
| Chelan County | $1,735 | $2,172 | 26 | |
| Pend Oreille County | $1,676 | $2,117 | 10 | |
| Walla Walla County | $1,661 | $2,032 | 7 | |
| Lewis County | $1,549 | $1,954 | 97 | |
| Okanogan County | $1,440 | $1,851 | 14 | |
| Umatilla County | $1,436 | $1,766 | 1 | |
| Columbia County | $1,413 | $1,796 | 4 | |
| Yakima County | $1,383 | $1,776 | 47 | |
| Benton County | $1,379 | $1,717 | 13 | |
| Snohomish County | $1,373 | $1,772 | 158 | |
| Cowlitz County | $1,323 | $1,700 | 75 | |
| Douglas County | $1,303 | $1,610 | 3 | |
| Lincoln County | $1,297 | $1,602 | 2 | |
| Stevens County | $1,257 | $1,646 | 5 | |
| FIPS 53000 | $1,251 | $1,548 | 1 | |
| Wahkiakum County | $1,184 | $1,544 | 9 | |
| King County | $1,184 | $1,524 | 371 | |
| Kittitas County | $1,176 | $1,534 | 36 | |
| Clallam County | $1,171 | $1,512 | 23 | |
| Clark County | $1,169 | $1,497 | 34 | |
| Mason County | $1,127 | $1,494 | 22 | |
| Grays Harbor County | $1,123 | $1,447 | 129 | |
| Skagit County | $1,027 | $1,367 | 229 | |
| Pacific County | $1,025 | $1,429 | 29 | |
| Pierce County | $997 | $1,303 | 228 | |
| Thurston County | $920 | $1,200 | 48 | |
| San Juan County | $851 | $1,172 | 7 | |
| Grant County | $844 | $1,098 | 15 | |
| Spokane County | $818 | $1,084 | 24 | |
| Jefferson County | $817 | $1,076 | 17 | |
| Whatcom County | $752 | $1,006 | 170 | |
| Kitsap County | $681 | $931 | 61 | |
| Garfield County | $671 | $864 | 1 | |
| Island County | $538 | $804 | 83 |
Use this data
Download Washington CSV (washington.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Washington Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/washington
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.