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FEMA flood zones · Washington

Bonney Lake, Washington Flood Zone Map

22,487 residents·in Pierce County·1,106 flood claims county-wide

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Bonney Lake, Washington. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

Flood risk in Bonney Lake

The map above shows FEMA’s flood zones in and around Bonney Lake; tap any spot, or search an address, for the exact zone. FEMA’s flood insurance records are kept by county, not by city, so the numbers below are for all of Pierce County, which includes Bonney Lake.

7% of Pierce County’s area is in FEMA’s high-risk flood zones, and another 1% in shaded X (mostly the 0.2% floodplain and areas behind levees).

Where the flood claims came from

21% of Pierce County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.

875 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In Pierce County flood insurance claims that reported a flood depth, the average was 13 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on the county’s claims (zero and implausible values left out). Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 2009, with 230 claims and $7.5M paid, the year of Severe Winter Storm, Landslides, Mudslides, and Flooding.

1978: 1 claims1979: 15 claims1980: 15 claims1981: 6 claims1982: 5 claims1983: 8 claims1984: 10 claims1986: 33 claims1989: 2 claims1990: 78 claims1991: 12 claims1993: 2 claims1994: 3 claims1995: 13 claims1996: 207 claims1997: 25 claims1998: 13 claims1999: 15 claims2000: 2 claims2001: 5 claims2002: 5 claims2003: 11 claims2004: 3 claims2005: 1 claims2006: 143 claims2007: 12 claims2008: 11 claims2009: 230 claims2010: 4 claims2011: 3 claims2012: 17 claims2013: 5 claims2014: 14 claims2015: 25 claims2016: 9 claims2017: 5 claims2018: 3 claims2019: 8 claims2020: 14 claims2021: 9 claims2022: 64 claims2023: 2 claims2024: 4 claims2025: 29 claims2026: 5 claims19801990200020102020

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

Full Pierce County flood history: disasters, storm reports and events →

The zones you’ll see on the map

Cross-section of a coastal flood zoneDiagram: land rising away from the shore. The 1%-annual-chance flood surface reaches inland; where storm waves ride on top of it the zone is V or VE, behind that AE, then a band of shaded X, then X on higher ground.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXX shadedAEVE
  1. VE / V Storm waves of 3 feet or more ride on top of the flood. Strictest building rules; homes go up on pilings.
  2. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Bonney Lake

If a building is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

The average NFIP premium across Washington was $1,060 a year on August 31, 2026 (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top). Risk Rating 2.0 prices each building on its own flood risk, so a quote can be far from the average.

Outside the high-risk zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Quotes: FloodSmart.gov or a local agent.