Short answer: Washington property policies generally exclude flood. Check FEMA maps, then buy NFIP or private flood coverage. The Washington State Department of Ecology leads the state's floodplain-management program and supports local governments that implement the NFIP.
This guide is general information for Washington property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
Maps and coverage
Look up the address in FEMA's Flood Map Service Center. Riverine, coastal and atmospheric-river flooding all appear on Washington maps. Quote through FloodSmart. Most new NFIP policies have a 30-day waiting period.
Ecology floodplain planning
The Washington State Department of Ecology leads statewide floodplain planning and regulation support. Ecology helps local governments implement the NFIP, reviews ordinances, and publishes floodplain planning guidance for homeowners. Local governments issue floodplain development permits; Ecology is the state coordinator for NFIP technical assistance.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Washington.
Frequently asked questions
Who coordinates floodplain management in Washington?
The Washington State Department of Ecology.
What's the usual NFIP waiting period in Washington?
30 days for most new policies.
Do Washington homeowners policies cover flood?
Generally no. Buy NFIP or private flood coverage separately.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.