Pacific County, WA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Pacific County scores at the 75th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 6.6 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Pacific County's flood-insurance compliance gap
18.4% of the homes FEMA requires to carry flood insurance in Pacific County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 40 policies against 218 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 2.3% of all residential structures in Pacific County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Pacific County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Pacific County ranks 822 — 1 being the highest hazard nationally — and 1642 by population among all 3144 counties covered here, where 1 is the largest. Pacific County, Washington covers 933.374 square miles and counts roughly 24,245 residents.
Your street may differ from Pacific County's average
FEMA counts 17,387 residential structures in Pacific County overall, 393 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Pacific County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Pacific County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.