Data · July 2026 data · 15-month trend
Washington Flood Insurance Costs
In July 2026, the average premium among Washington NFIP policies newly written or renewed that month was $1,139. That runs +15.6% above the national average of $986. That is 11.5% higher year over year. The month's tally covers 2,053 policy transactions across 38 counties, with Whitman County posting the highest average premium at $3,224.
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 — July 2026
- Average premium
- $1,139
- Avg total cost (with fees)
- $1,469
- Change (year over year)
- +11.5%
- vs national average
- +15.6%
- Policies written or renewed
- 2,053
- Counties reporting
- 38
Washington trend, last 15 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 | $1,334 | 2,329 | |
| September 2025 | $955 | $1,258 | 2,663 | |
| October 2025 | $907 | $1,203 | 3,004 | |
| November 2025 | $1,012 | $1,334 | 2,920 | |
| December 2025 | $965 | $1,277 | 3,142 | |
| January 2026 | $973 | $1,280 | 2,443 | |
| February 2026 | $1,015 | $1,339 | 2,206 | |
| March 2026 | $1,009 | $1,327 | 2,318 | |
| April 2026 | $997 | $1,307 | 2,398 | |
| May 2026 | $1,088 | $1,416 | 2,146 | |
| June 2026 | $1,136 | $1,467 | 2,151 | |
| July 2026 | $1,139 | $1,469 | 2,053 |
County breakdown — July 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 |
|---|---|---|---|---|
| Whitman County | $3,224 | $4,051 | 9 | |
| FIPS 53000 | $2,400 | $2,400 | 39 | |
| Pacific County | $2,210 | $2,821 | 27 | |
| Chelan County | $1,499 | $1,901 | 41 | |
| Benton County | $1,463 | $1,814 | 15 | |
| Columbia County | $1,449 | $1,782 | 2 | |
| Lincoln County | $1,375 | $1,844 | 3 | |
| Lewis County | $1,367 | $1,756 | 79 | |
| Snohomish County | $1,365 | $1,723 | 149 | |
| Cowlitz County | $1,332 | $1,739 | 68 | |
| King County | $1,297 | $1,663 | 405 | |
| Pend Oreille County | $1,276 | $1,702 | 9 | |
| Skamania County | $1,255 | $1,553 | 3 | |
| Franklin County | $1,250 | $1,547 | 2 | |
| Yakima County | $1,213 | $1,549 | 60 | |
| Okanogan County | $1,209 | $1,611 | 16 | |
| Mason County | $1,176 | $1,534 | 36 | |
| Douglas County | $1,132 | $1,408 | 1 | |
| Asotin County | $1,131 | $1,407 | 1 | |
| Grant County | $1,114 | $1,443 | 16 | |
| Clallam County | $1,075 | $1,388 | 28 | |
| Stevens County | $1,045 | $1,337 | 7 | |
| Grays Harbor County | $1,026 | $1,355 | 118 | |
| San Juan County | $1,022 | $1,391 | 8 | |
| Skagit County | $1,013 | $1,338 | 285 | |
| Walla Walla County | $1,009 | $1,291 | 16 | |
| Klickitat County | $993 | $1,356 | 2 | |
| Thurston County | $963 | $1,230 | 51 | |
| Whatcom County | $934 | $1,236 | 122 | |
| Kittitas County | $934 | $1,255 | 36 | |
| Pierce County | $906 | $1,196 | 159 | |
| Spokane County | $811 | $1,077 | 23 | |
| Clark County | $785 | $1,034 | 56 | |
| Wahkiakum County | $775 | $1,014 | 8 | |
| Kitsap County | $567 | $785 | 46 | |
| Jefferson County | $552 | $767 | 37 | |
| Island County | $537 | $819 | 69 | |
| Adams County | $367 | $505 | 1 |
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 (NFIP Redacted Policies v3).
"Washington Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/washington
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.