Photo: Rickmouser45 · CC BY-SA 4.0Eagle’s building-damage rate from wildfire is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Eagle gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns, #28 of 59 in Idaho. Most of that expected damage is river and rain flooding (83%), then wildfire (13%). Flood insurance has paid 12 claims here since 1983.
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
What Eagle faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Wildfire
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.
What’s behind Eagle’s grade
River and rain flooding is 83% of the building damage FEMA expects in Eagle, and Eagle’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Wildfire adds 13%, at a rate in the top 4% of U.S. census tracts.
B− #28 of 59 in Idaho; lower expected damage per building than 51% of U.S. towns (21,298).
Eagle’s residents live in 10 census tracts; FEMA’s figures are combined by where they live.
The typical Idaho town has higher expected damage than 52% of U.S. towns; within the state, Eagle has less expected damage per building than 53% of Idaho towns.
In dollars, FEMA expects about $9.6M a year in losses across Eagle: $8.3M to buildings, the rest to people and crops.
Does Eagle flood? Sometimes: 12 flood claims since 1983
Every paid claim on a federal flood insurance policy in Eagle, from FEMA’s records: 0.9 per 1,000 homes, fewer than 81% of the 13,809 U.S. towns with a flood insurance record.
Eagle is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Ada County.1 federal disaster brought FEMA money to Eagle
Disasters that paid out in Eagle itself (aid to households or repair grants to the City of Eagle), newest first, with that year’s flood claims.
- 2017Flooding$1.3M to the City of Eagle for repairs8 flood claims paid that year
Ada County has had 3 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Eagle after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eagle archive →Eagle and its neighbors
Eagle is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Meridian | Aless damage than 94% | river and rain flooding | 1 |
| Boise City | B+less damage than 71% | river and rain flooding | 13 |
| Eagle | B−less damage than 51% | river and rain flooding | 12 |
| Star | C−more damage than 79% | river and rain flooding | 1 |
| Avimor | — | 586 residents; we grade 1,000+ | |
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.
Get ready for what Eagle faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- Eagle residents get 20% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Eagle
Is Eagle at risk for natural disasters?
On FEMA’s National Risk Index, Eagle has lower expected damage per building than 51% of U.S. towns: B− for hazard risk, #28 of 59 in Idaho. Most of the expected damage is river and rain flooding (83%) and wildfire (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Eagle flood?
Flood insurance has paid 12 claims in Eagle since 1983, $199K in all, or 0.9 per 1,000 homes, fewer than 81% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Eagle 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 Ada County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Eagle?
Eagle is in FEMA’s Community Rating System (class 6), which takes 20% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Eagle?
By FEMA money that reached Eagle, Flooding (2017): $1.3M to the City of Eagle for repairs.
Is Eagle at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Eagle’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eagle.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eagle’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.