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D−Hazard risk
Natural hazards in Funny River · FEMA

FEMA expects more hazard damage per building in Funny River than in 96% of U.S. towns, mostly from earthquakes

On FEMA’s National Risk Index, Funny River gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns. Most of that expected damage is earthquakes (55%), then wildfire (35%). FEMA’s files show no paid flood insurance claims here.

Earthquakes 55%Wildfire 35%River and rain flooding 10%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 96%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D−
in Alaska · higher than 96% of U.S. towns
Main hazard
Earthquakes
55% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 14 declared for Kenai Peninsula Borough
By hazard

What Funny River faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Earthquakes

55%of expected building damage
Well above average · in the top 2% of U.S. census tracts

Wildfire

35%of expected building damage
Well above average · in the top 1% of U.S. census tracts

River and rain flooding

10%of expected building damage
Well below average · lower than 92% of U.S. census tracts
Smaller shares here
 Winter storms Tornadoes Hail Ice storms Cold waves Landslides Lightning Volcanic activity top 2%
FEMA models no building damage here
Coastal floodingHurricanesStrong windHeat wavesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 48% of Funny River’s expected losses. Avalanches do little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Funny River’s grade

Earthquakes are 55% of the building damage FEMA expects in Funny River, and Funny River’s rate of earthquakes damage is in the top 2% of U.S. census tracts. Wildfire adds 35%, at a rate in the top 1% of U.S. census tracts.

Where Funny River sits
Funny River
Least damageMiddleMost damage

D− higher expected damage per building than 96% of U.S. towns (21,298).

All of Funny River’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Earthquakes55%Wildfire35%River and rain flooding10%

In dollars, FEMA expects about $3.3M a year in losses across Funny River: $1.5M to buildings, the rest to people and crops.

Shared tract.All of Funny River’s 1,103 residents (2020 census) live in one census tract, which it shares with Sterling CDP (5,918 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Funny River flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Funny River. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Funny River isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Kenai Peninsula Borough.
Disasters

The storms Funny River remembers

None of the 14 disasters declared for Kenai Peninsula Borough shows FEMA aid or repair money reaching Funny River itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Funny RiverKenai Peninsula Borough only

Kenai Peninsula Borough has had 14 natural disasters declared by the President since 1953, most often severe storms, then floods.

Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Kenai Peninsula Borough, 2007–2015.

Next door

Funny River and its neighbors

Funny River is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Sterling: hazard risk D−Soldotna: hazard risk D−SterlingSoldotnaFunny River
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
SterlingD−more damage than 96%earthquakes—
Funny RiverD−more damage than 96%earthquakes0
SoldotnaD−more damage than 97%earthquakes—

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Funny River faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Funny River

Is Funny River at risk for natural disasters?

On FEMA’s National Risk Index, Funny River has higher expected damage per building than 96% of U.S. towns: D− for hazard risk. Most of the expected damage is earthquakes (55%) and wildfire (35%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Funny River in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Kenai Peninsula Borough, 61% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Funny River?

FEMA’s Community Rating System list shows no discount for Funny River’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Funny River at risk from earthquakes?

It is the largest share of the building damage FEMA expects here (55%), and Funny River’s rate for it is in the top 2% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Funny River.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Funny River’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.