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Flooding in Seattle WHAT YOU NEED TO KNOW
Seattle might be famous for its coffee and cloudy skies, but in recent years, it’s the increased flood risk that’s capturing attention. With heavier rainfall, rising sea levels, and a city built on hills, ravines, and reclaimed shorelines, flooding is no longer just a rare event, but a growing concern for homeowners and renters alike. Studies show that close to 14,000 properties in Seattle are at risk of flooding as of today. Recent storms have flooded basements, highways, and even transit stations across the metro area. That’s why buying private flood insurance in Seattle, WA can be very helpful. Whether you live in a low-lying neighborhood like South Park or a hillside home with a creek nearby, having coverage through Advantage Flood helps protect your finances, and your peace of mind.
Flood Zones in Seattle
Seattle includes a mix of FEMA-designated flood zones, with the highest-risk areas located near rivers, creeks, and shorelines. If your home is in Zone AE or VE, you may be required to carry flood insurance if you have a federally backed mortgage. But even homes in Zone X, considered moderate-to-low risk, still experience flooding—especially during intense rainfall or snowmelt, with data from FEMA suggesting that 40% of flood insurance claims come from locations classified as low to medium risk.
Some flood-prone areas in Seattle include:
- South Park (ZIP: 98108) – near the Duwamish River and often impacted by both stormwater and tidal flooding.
- Georgetown (ZIP: 98108) – located in a low-lying industrial area prone to drainage overflow.
- Rainier Valley & Seward Park (ZIPs: 98118, 98144) – areas with creeks that rise rapidly during storms.
- West Seattle (ZIP: 98126) – parts of Longfellow Creek watershed see localized flooding.
- North Seattle (ZIPs: 98133, 98125) – neighborhoods around thronton creek often flood after back to back
Want to purchase private flood insurance in Seattle, WA, but not sure what flood zone your property is in? Advantage Flood can help you find out and assess your flood risk in Seattle for free.
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When is flood season in Seattle
Seattle’s flood season typically runs from October through April, when atmospheric rivers bring prolonged rainfall to the Pacific Northwest. During these months, saturated ground, clogged drains, and creek overflows are common across the city. King tides—especially in December and January—can also lead to tidal flooding in coastal neighborhoods. Even outside peak flood season, summer storms and rapid snowmelt from nearby mountains can cause localized flash floods and backups, making private flood insurance in Seattle, WA a great idea.
Common causes of flooding in Seattle
Seattle’s flooding isn’t just about being near a river. Some of the most damaging floods happen in unexpected places due to:
Heavy rainfall – intense downpours can overwhelm storm drains, especially in older neighborhoods.
Urban runoff – paved streets, sidewalks, and roofs speed up water accumulation during storms.
Overflowing creeks – areas like Longfellow, Thornton, and Pipers Creeks are prone to rise rapidly.
Blocked storm drains – fallen leaves, debris, and ice can prevent water from draining properly.
Tidal surges and sea level rise – king tides and rising sea levels threaten coastal areas.
Even if your home hasn’t flooded in the past, climate change and outdated infrastructure make private flood insurance in Seattle, WA a smart and proactive choice.
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Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
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We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
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