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See also the Washington Homeowners Association Act (RCW § 64.38).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Relatively High composite risk for this county · 95th percentile of WA counties
37 federal disaster declarations for this county, most recent Apr 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · EVERETT, CITY OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 98204
2020 +7.2% · 2021 +16.1% · 2022 +19.2% · 2023 +4.4% · 2024 +6.4% · 2025 -3.5%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Most recent significant event in Snohomish County: Flood, Dec 5, 2023.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Snohomish County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Common Elements directory
Homeowners insurance in ZIP 98204 · 2022
Average premium changed +8.6% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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Verified vendor companies serving Snohomish County, WA. Listing only, not an endorsement.
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Cross-referenced public records
On file as BEAR MOUNTAN ESTATES HOA
Principal address · Legal name · Type
Filed as shown; displayed as Bear Mountan Estates HOA
Geocoded from the address on file
Map location
Geocoded 2026-07-05
Public record
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