Monroe, WA Flood Zone Lookup
Last updated: August 2026
Monroe faces flooding from the Skykomish River and Woods Creek in Snohomish County. Heavy winter rainfall and atmospheric river events cause the Skykomish River to overflow and flood the Skykomish Valley.
Snohomish County has recorded 1,961 NFIP flood insurance claims since 1978, totaling $36.6M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 10
NFIP Policies
2,426
Snohomish County
Avg. Premium
$1,161/yr
Snohomish County
FEMA Flood Risk Profile: Snohomish County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $111.9M
Coastal Flood Risk
Relatively ModerateEst. annual loss: $2.4M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Snohomish County
Snohomish County has been included in 14 federal flood-related disaster declarations.
...and 6 earlier declarations since 1964.
These declarations affected communities across Snohomish County, including Monroe.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
NFIP Flood Insurance Claims: Snohomish County
Properties in Snohomish County have filed 1,961 NFIP flood insurance claims totaling $36.6M in payouts since 1978. The average claim payout is $19K.
Highest-Claim Years
2006
329 claims - $7.7M
1990
241 claims - $3.6M
2009
215 claims - $3.4M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Snohomish County
Only roughly 1 in 135 households in Snohomish County carries NFIP flood insurance (0.7% of estimated households). With 11 recorded flood events and $14.1M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.7%
roughly 1 in 135 households
Historical Claims Ratio
1 in 1
1,961 claims over 45+ years across 2,426 current policies
Avg. Claim Payout
$18,661
Per claim, county-wide since 1978
Historically, Snohomish County has averaged 1 claim for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Monroe.
What Your Flood Zone Means in Monroe
Monroe faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Monroe are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $111.9M.
Riverine flood risk in Monroe is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Monroe address.
Repetitive Loss Properties: Snohomish County
Snohomish County has 229 properties with multiple flood insurance losses, including 39 severe repetitive loss properties. 16 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
229
2+ claims within 10 years
Severe Repetitive Loss
39
4+ claims or 2 exceeding value
Mitigated
16
Received FEMA mitigation
By Flood Zone
Zone data available for 226 of 229 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Recorded Flood Events: Snohomish County
NOAA has recorded 11 flood events in Snohomish County since 1996, causing $14.1M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Snohomish County
FEMA has funded mitigation for 284 properties in Snohomish County, investing $28.6M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026.
Flood Insurance Discount: Monroe
Monroe participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 5
SFHA Premium Discount
25% off
CRS classes range from 1 (best) to 10 (no discount). Monroe's Class 5 rating means NFIP policyholders in the SFHA can receive up to a 25% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Monroe, WA Flood Zone FAQ
What flood zones are in Monroe, WA?
The most common FEMA flood zones in Monroe are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Monroe?
If your Monroe property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Monroe?
Enter your Monroe address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Monroe offer flood insurance discounts?
Yes. Monroe participates in FEMA's Community Rating System (CRS) with a Class 5 rating, qualifying residents in the Special Flood Hazard Area for up to a 25% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Monroe experienced major flooding events?
Snohomish County, where Monroe is located, has been part of 14 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides in 2026. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Monroe?
Snohomish County has recorded 1,961 NFIP flood insurance claims totaling $36.6M in payouts since 1978. The year with the most claims was 2006, with 329 claims and $7.7M in payouts. These figures cover all NFIP claims in the county, including Monroe.
How many flood insurance policies are active in Monroe?
Snohomish County currently has 2,426 active NFIP flood insurance policies with an average annual premium of $1,161. The most policies are in Zone AE (1,629 policies). These figures cover all active NFIP policies in the county.
How many Monroe properties have flooded repeatedly?
Snohomish County has 229 properties with multiple flood losses on record, including 39 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Monroe property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Monroe?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Monroe's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Washington Cities
Understanding Flood Zones
Look Up Any Monroe, WA Address
Enter a Monroe, WA address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.