Photo: rustejunk · CC BY 2.0On FEMA’s figures, Kamiah faces more hazard damage per building than 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Kamiah gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (67%), then wildfire (32%). FEMA’s files show no paid flood insurance claims here.
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 stands out about Kamiah’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Kamiah 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 Kamiah’s grade
River and rain flooding is 67% of the building damage FEMA expects in Kamiah, and Kamiah’s rate of river and rain flooding damage is higher than 86% of U.S. census tracts. Wildfire adds 32%, at a rate in the top 2% of U.S. census tracts.
D higher expected damage per building than 87% of U.S. towns (21,298).
Kamiah’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $700K a year in losses across Kamiah: $652K to buildings, the rest to people and crops.
Does Kamiah flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kamiah. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kamiah isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lewis County.1 federal disaster brought FEMA money to Kamiah
Disasters that paid out in Kamiah itself (aid to households or repair grants to the City of Kamiah), newest first, with that year’s flood claims.
- 2019Severe Storms, Flooding, Landslides, and Mudslides$68K to the City of Kamiah for repairs
Lewis County has had 8 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Lewis County, 2015–2015.
Old photos of Kamiah after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kamiah archive →Get ready for what Kamiah 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Kamiah
Is Kamiah at risk for natural disasters?
On FEMA’s National Risk Index, Kamiah has higher expected damage per building than 87% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (67%) and wildfire (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Kamiah 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 Lewis County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Kamiah?
FEMA’s Community Rating System list shows no discount for Kamiah’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Kamiah?
By FEMA money that reached Kamiah, Severe Storms, Flooding, Landslides, and Mudslides (2019): $68K to the City of Kamiah for repairs.
Is Kamiah at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Kamiah’s rate for it is higher than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kamiah.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kamiah’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.