Washington Flood Insurance

Western Washington Flood Insurance from McClain Insurance Services in Everett, WADid you know that flood damage is NOT a covered peril on a standard Washington Homeowner's Policy? 

You may think that Flood Insurance is first and foremost meant for people who live near rivers or creeks, or on the coast. (And, oddly enough, those who live in these areas often believe that they don't qualify for flood insurance because of the high risk factor.)

Neither is true. Flood protection for your home is easy and often very affordable.  Contact your Washington state flood insurance brokers at McClain Insurance Services for a free consultation.

Floods are the most common and costly natural disaster. Did you know that the average home has a 10% risk of being destroyed in a fire, yet a 26% chance of being destroyed in a flood?  And contrary to common belief, flooding is not restricted to hurricane-prone areas or large bodies of water. In fact, about 25% of all flood-related claims come from low to moderate risk areas.

A "flood" is defined as a general and temporary condition of partial or complete inundation of normally dry land areas from:

  • The overflow of inland or tidal waters.
  • The unusual and rapid accumulation or runoff of surface waters.
  • Mudflows caused by flooding.

Floods can happen in the desert, during snowmelt, in developed areas or anywhere the ground is hard and does not absorb excess water. Erosion or inadequate drainage can also lead to floods or mudslides. This is why having flood insurance in Washington is so important. 

Flooding can damage the foundation, structure, walls, floors and furniture of a home.  But damages due to flooding are excluded on a standard homeowner's policy!  Federal disaster assistance in the forma of a low-interest loan, is only available if the flooded area is declared a natural disaster.  Most floods aren't.

Flood insurance protects you. It covers direct physical losses and damage to your home and personal property.  Flood insurance is intended to protect you financially in case you suffer damage caused by flooding, and helps get you back into your house as soon as possible. It covers losses due to flood, excessive waters accompanied by a severe storm flash flood, abnormal tidal surge, tsunamis, and mudflows due to flooding.

Flood insurance in Washington is available for virtually everyone: homeowners, renters, houses, manufactured homes, condos, apartments, and commercial buildings. It's even available if you are residing in a floodplain. The only caveats are:

  • The building must be located in a community that participates in the National Flood Insurance Program (NFIP). Almost every community in the United States participates in this program.
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  • Flood insurance is catastrophic insurance. That means that there are certain limits to the insurance provided. The maximum available coverage for residential buildings is $250,000 for the structure and $100,000 for the contents of your home, and is available starting at $355 per year.

Good to know:  Don't wait until it starts raining to buy flood insurance! There is a 30 day waiting period between your application and the effective date of your coverage.



McClain Insurance Services is a 'Trusted Choice' independent insurance agency located in Everett, WA.  The agency has represented a number of regional and national insurance companies (including PEMCO, Safeco, Travelers and Progressive) since 1977.

McClain Insurance Services offers customized insurance options to residents of Snohomish County and Washington state.  Our convenient full-service website and our team of licensed, professional brokers make insurance shopping personal, easy, quick and hassle-free.

Independent agents work with you to design an insurance plan that meets your needs and fits your budget. They can help with all your personal insurance needs: Auto, Home, Renters, Life, Umbrella, Earthquake, Flood, Boat, Motorcycle and RV Insurance.

McClain Insurance Services is a Trusted Choice agency and a member of the Independent Agents Association of America, the Economic Alliance of Snohomish County, and the BBB. They are also Charter Members of NSACE - National Society of Agents for Consumer Education





* Please Note:  Insurance policies vary from company to company and from State to State.  Not every Washington State insurance policy will include every coverage described above.  Be sure to read your policy and check with your insurance agent for personalized information.