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Home insurance & flood costs in ZIP 99344 (Othello, WA)

Plain facts for homeowners in Othello: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 99344 at a glance

Four numbers most homeowners ask about first.

$1,127
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

Too few
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.80%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

3.1%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 99344 in numbers
$16,813
average paid claim (2022)
+5%
premium change 2018–2022, after inflation
2.32%
cancelled by insurers mid-term (2022)
1
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 99344 was $1,127 in 2022, 19% below the Adams County typical ZIP ($1,384) and 27% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 5% between 2018 and 2022. About 3.1% of policies here had a paid claim in 2022, and insurers chose not to renew 0.80% of policies.

Adams County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 99344AdamsU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Only 1 single-family NFIP policy took effect in ZIP 99344 in 2025, too few for a meaningful average.

Flood insurance data

Too few NFIP policies here to show reliable averages. FEMA's Flood Map Service Center shows the flood zone for any address.

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Adams County

The chart shows the share of homeowners policies in ZIP 99344 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Adams County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Wildfire85 · Relatively Low
  • Cold wave65 · Relatively Low
  • Earthquake65 · Relatively Low
  • Hail60 · Relatively Low
  • Heat wave52 · Relatively Low

Practical next steps

Simple things homeowners in ZIP 99344 can do with this information.

Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.
Review your deductibles. Many policies have separate wind, hail or hurricane deductibles set as a percentage of your dwelling coverage. Knowing yours in dollars helps you budget.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.