Photo: Druemdach · CC BY 4.0On FEMA’s figures, Kellogg faces more hazard damage per building than 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Kellogg gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns. Most of that expected damage is river and rain flooding (98%). Flood insurance has paid 5 claims here since 1996.
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 Kellogg 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
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 Kellogg’s grade
River and rain flooding is 98% of the building damage FEMA expects in Kellogg, and Kellogg’s rate of river and rain flooding damage is in the top 2% of U.S. census tracts.
D higher expected damage per building than 94% of U.S. towns (21,298).
All of Kellogg’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $4.7M a year in losses across Kellogg: $2.4M to buildings, the rest to people and crops.
Does Kellogg flood? Rarely: 5 flood claims since 1996
Every paid claim on a federal flood insurance policy in Kellogg, from FEMA’s records: 4.3 per 1,000 homes, more than 57% of the 13,809 U.S. towns with a flood insurance record.
Kellogg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Shoshone County.1 federal disaster brought FEMA money to Kellogg
Disasters that paid out in Kellogg itself (aid to households or repair grants to the City of Kellogg), newest first, with that year’s flood claims.
- 2021Straight-line Winds$18K to the City of Kellogg for repairs
Shoshone County has had 13 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.
Old photos of Kellogg after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kellogg archive →Kellogg and its neighbors
Kellogg has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Kellogg | Dmore damage than 94% | river and rain flooding | 5 |
| Smelterville | — | 668 residents; we grade 1,000+ | |
| Wardner | — | 281 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 Kellogg 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.
- 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 Kellogg
Is Kellogg at risk for natural disasters?
On FEMA’s National Risk Index, Kellogg has higher expected damage per building than 94% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (98%). 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.
Does Kellogg flood?
Flood insurance has paid 5 claims in Kellogg since 1996, $30K in all, or 4.3 per 1,000 homes, more than 57% of U.S. towns with a flood insurance record.
Is Kellogg 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 Shoshone County, 5% of homes in mapped flood zones carry federal flood insurance, and 1.6% of all homes do.
How much is flood insurance in Kellogg?
FEMA’s Community Rating System list shows no discount for Kellogg’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 Kellogg?
By FEMA money that reached Kellogg, Straight-line Winds (2021): $18K to the City of Kellogg for repairs.
Is Kellogg at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (98%), and Kellogg’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kellogg.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kellogg’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.