Flood history · Bow, WA 98232
Flood insurance claims in Bow, WA 98232
57 claims since 1979 and $527,124 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 98232 since 1978.
What the record says
77% of claims were on properties in high-risk zones and 23% outside them.
Losses are spread across many events; the largest, Unnamed flooding, accounts for 19% of claims.
13 claims were filed in the last 10 years.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Skagit County * takes part in FEMA's Community Rating System (class 5), which can lower flood insurance premiums by up to 25% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1990 | 11 | 19% |
| Winter storm | 2009 | 1 | 2% |
| 2025-12-AtmosphericRiver | 2025 | 1 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Skagit County
Flood, hurricane and storm declarations since 2000.
16 flood, storm or hurricane declarations for Skagit County since 2000.
Check a specific address in Bow.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.
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