Tag Archives: damage

FEMA funding for eligible flood survivors

On April 7, the federal government approved Washington’s request for a federal disaster declaration for the December 2025 Floods.

People who suffered disaster-related damage in King, Chelan, Grays Harbor, Lewis, Pacific, Pierce, Skagit, Snohomish, Thurston, or Whatcom counties, or one of the affected tribal communities may qualify.

Apply for FEMA assistance in 1 of 3 ways:

Anyone using a relay service, such as video relay service (VRS), captioned telephone service or others, can give FEMA the number for that service. For an accessible video on three ways to apply for FEMA assistance, visit: youtube.com/watch?v=LU7wzRjByhI

The deadline to apply for FEMA Individual Assistance is June 10, 2026. Link to the FEMA press release.

Flood recovery resources and information

Recovering from this month’s flooding may be overwhelming and stressful. King County’s priority is keeping you safe and supporting your needs after the disaster. We have created a webpage to be a “one-stop shop” for resources and information that will be vital in the days and weeks ahead.

Please visit kingcounty.gov/flood-recovery to learn more.

Housing repair program available to low and moderate-income homeowners

The King County Housing Repair program provides assistance to low and moderate-income homeowners, as well as renters with disabilities, in most parts of King County. Call Housing Repair at 206-263-9095 or visit the Program online at Housing Repair Program – King County, Washington to learn more about the process, how to access services, and eligibility criteria.

Flood recovery information for residents and businesses

Property damage caused by flooding can feel overwhelming and stressful. King County’s priority is keeping you safe and supporting your recovery. The information below will help you report impacts to your home or property, and understand the resources that may become available to help you.  

Visit the Flood recovery resources – King County, Washington website for help with mold cleanup.

Report Damage 

If you were affected by recent weather events, please complete the appropriate survey: 

Accurate documentation is essential for insurance and potential FEMA assistance. Follow these steps: 

1. Gather Your Information 

Have your home insurance policy number, insurance company contact information, and personal details ready. 

2. Document the Disaster 

Record the date, time, cause of damage, and a detailed description of what happened.  

3. List Damaged or Missing Property 

List everything that is damaged or missing. Take clear photos and videos of all damage, both inside and outside of your home. 

4. Save All Receipts 

Keep receipts for repairs, replacements, and any disaster-related costs. These may be reimbursed. 

5. Act Quickly 

Photograph and record damage before cleaning up, repairing, or discarding items. 

6. Record Serial Numbers 

Document serial numbers for electronics and appliances when possible. 

7. Prepare for FEMA Inspections 

If your area is approved for FEMA assistance, you will need to apply online or by phone. During your assessment, clearly describe all damage and impacts. Information on how to apply for FEMA assistance will be provided if Washington state receives a Presidential Disaster Declaration.

Homeowners Insurance and Mold 

  • Most standard homeowners’ insurance policies do not cover mold, fungi, rust, or rot. 
  • Mold is usually treated as a maintenance issue rather than sudden disaster damage.
  • Check your policy or speak with your agent to confirm your coverage. 

When you are assessing your damage and filling out the King County survey, here are the definitions for each level of damage: 

Affected 

  • Waterline in the crawl space or unfinished basement 
  • Damage to attached structures, gutters, landscaping, or downed trees that do not block access 
  •  No damage to essential living spaces or mechanical systems

Minor Damage 

  • Waterline below electrical outlets on the lowest floor with essential living space 
  • Damage or contamination to a private well or septic system

Major Damage 

  • Waterline at or above electrical outlets in essential living spaces 
  •  Waterline on the first floor, even if the basement is fully submerged

Destroyed 

  • Collapse of major structural components (foundation, walls, roof) 
  • Waterline at or above the ceiling of a living space 
  • Only the foundation remains 
  • Home is at immediate risk (landslide, mudslide, sinkhole) 

Important Note 

Damage may be considered major even if water stays below electrical outlets when: 

  • Flooding lasted a long time 
  • Water contained sewage, fuel, or chemicals 
  • Mechanical systems in the basement were damaged