Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Washington
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Washington ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Spokane County | $458 | Relatively Moderate | $370,500 |
| 2 | Asotin County | $569 | Very Low | $286,200 |
| 3 | Whitman County | $800 | Very Low | $323,300 |
| 4 | Clark County | $814 | Relatively Moderate | $487,900 |
| 5 | Grant County | $842 | Relatively Low | $275,700 |
| 6 | Walla Walla County | $868 | Relatively Low | $375,600 |
| 7 | Benton County | $911 | Relatively Moderate | $369,400 |
| 8 | Stevens County | $964 | Relatively Low | $308,000 |
| 9 | Jefferson County | $1,050 | Relatively Low | $495,100 |
| 10 | San Juan County | $1,106 | Very Low | $726,500 |
| 11 | Island County | $1,106 | Relatively Low | $535,300 |
| 12 | Franklin County | $1,117 | Relatively Low | $345,700 |
| 13 | Adams County | $1,176 | Very Low | $251,300 |
| 14 | Whatcom County | $1,206 | Relatively Moderate | $536,100 |
| 15 | Snohomish County | $1,312 | Relatively High | $644,600 |
| 16 | Yakima County | $1,382 | Relatively Moderate | $281,100 |
| 17 | Kitsap County | $1,475 | Relatively Moderate | $505,700 |
| 18 | Pierce County | $1,534 | Relatively High | $484,400 |
| 19 | Pend Oreille County | $1,556 | Very Low | $307,800 |
| 20 | Skagit County | $1,569 | Relatively Moderate | $486,200 |
| 21 | Thurston County | $1,627 | Relatively High | $451,500 |
| 22 | Douglas County | $1,715 | Relatively Low | $402,900 |
| 23 | Mason County | $1,745 | Relatively Moderate | $377,400 |
| 24 | King County | $1,811 | Very High | $811,200 |
| 25 | Clallam County | $1,834 | Relatively Moderate | $385,600 |
| 26 | Garfield County | $1,869 | Very Low | $214,200 |
| 27 | Cowlitz County | $2,033 | Relatively Moderate | $367,400 |
| 28 | Columbia County | $2,063 | Very Low | $256,100 |
| 29 | Lewis County | $2,195 | Relatively Moderate | $341,500 |
| 30 | Klickitat County | $2,667 | Relatively Low | $388,700 |
| 31 | Chelan County | $2,871 | Relatively Moderate | $454,900 |
| 32 | Lincoln County | $2,922 | Relatively Low | $272,300 |
| 33 | Okanogan County | $2,951 | Relatively Moderate | $284,200 |
| 34 | Wahkiakum County | $2,964 | Very Low | $344,500 |
| 35 | Ferry County | $3,355 | Relatively Low | $274,500 |
| 36 | Skamania County | $3,910 | Relatively Low | $472,600 |
| 37 | Kittitas County | $3,956 | Relatively Moderate | $459,900 |
| 38 | Grays Harbor County | $7,069 | Relatively High | $279,500 |
| 39 | Pacific County | $9,891 | Relatively Moderate | $274,000 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Washington