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State Bank of KooskiaState Bank of Kooskia · Photo: JERRYE AND ROY KLOTZ MD · CC BY-SA 3.0
–Not graded
Natural hazards in Kooskia · FEMA

Storms, floods and disasters in Kooskia

Kooskia isn’t graded for hazard risk: Kooskia has 687 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 12 declared for Idaho County
By hazard

What Kooskia 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

54%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once every 2 years in the area

Wildfire

46%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Smaller shares here
 Earthquakes Strong wind Tornadoes Hail Winter storms Ice storms Cold waves Heat waves Landslides Lightning Avalanches top 1%
FEMA models no building damage here
Coastal floodingHurricanesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 13% of Kooskia’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.
Flood insurance claims

Does Kooskia flood? No paid flood claims on record

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

of all homes are insured
No community discount

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

Insurance rates: Idaho County.
Disasters

3 federal disasters brought FEMA money to Kooskia

Disasters that paid out in Kooskia itself (aid to households or repair grants to the City of Kooskia), newest first, with that year’s flood claims.

  1. 2019Severe Storms, Flooding, Landslides, and Mudslides$5K to the City of Kooskia for repairs
  2. 2017Severe Storms, Flooding, Landslides, and Mudslides$2K to the City of Kooskia for repairs
  3. 2010Severe Storms and Flooding$4K to the City of Kooskia for repairs
Disasters declared, by decade
Paid out in KooskiaIdaho County only

Idaho County has had 12 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Idaho County, 2007–2015.

Were you here?

Old photos of Kooskia after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Kooskia archive →
Be ready

Get ready for what Kooskia faces

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

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 ↗
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 ↗
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 Kooskia

Is Kooskia 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 Idaho County, 0.1% of all homes carry federal flood insurance.

How much is flood insurance in Kooskia?

FEMA’s Community Rating System list shows no discount for Kooskia’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 Kooskia?

By FEMA money that reached Kooskia, Severe Storms, Flooding, Landslides, and Mudslides (2019): $5K to the City of Kooskia for repairs.

Storm stories

Memories, warnings and help from neighbors in Kooskia.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kooskia’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.