Anderson Island School · Photo: Ben Cody · Public domainMore hazard damage per building is expected in Anderson Island than in 83% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Anderson Island gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is earthquakes (60%), then river and rain flooding (34%). 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 Anderson Island faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
River and rain flooding
Coastal 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 Anderson Island’s grade
Earthquakes are 60% of the building damage FEMA expects in Anderson Island, and Anderson Island’s rate of earthquakes damage is in the top 8% of U.S. census tracts. Coastal flooding adds 5%, at a rate in the top 2% of U.S. census tracts.
C− higher expected damage per building than 83% of U.S. towns (21,298).
All of Anderson Island’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $709K a year in losses across Anderson Island: $520K to buildings, the rest to people and crops.
Does Anderson Island flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Anderson Island. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Anderson Island isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pierce County.The storms Anderson Island remembers
None of the 21 disasters declared for Pierce County shows FEMA aid or repair money reaching Anderson Island itself in FEMA’s records, so these are its biggest flood-claim years.
Pierce County has had 21 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 Pierce County, 2020–2020.
Get ready for what Anderson Island faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Anderson Island
Is Anderson Island at risk for natural disasters?
On FEMA’s National Risk Index, Anderson Island has higher expected damage per building than 83% of U.S. towns: C− for hazard risk. Most of the expected damage is earthquakes (60%) and river and rain flooding (34%). 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 Anderson Island 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 Pierce County, 44% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Anderson Island?
FEMA’s Community Rating System list shows no discount for Anderson Island’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Anderson Island at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (60%), and Anderson Island’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Anderson Island.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Anderson Island’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.