Trafton School · Photo: Joe Mabel · CC BY-SA 3.0On FEMA’s figures, Arlington Heights faces more hazard damage per building than 93% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Arlington Heights gets a D for hazard risk: higher expected damage per building than 93% of U.S. towns, #264 of 285 in Washington. Most of that expected damage is river and rain flooding (81%), then earthquakes (16%). 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 Arlington Heights 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
Earthquakes
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 Arlington Heights’ grade
River and rain flooding is 81% of the building damage FEMA expects in Arlington Heights, and Arlington Heights’ rate of river and rain flooding damage is in the top 4% of U.S. census tracts. Landslides add 2%, at a rate in the top 1% of U.S. census tracts.
D #264 of 285 in Washington; higher expected damage per building than 93% of U.S. towns (21,298).
All of Arlington Heights’ residents live in one census tract; the figures are that tract’s.
The typical Washington town has higher expected damage than 76% of U.S. towns; within the state, Arlington Heights has more expected damage per building than 93% of Washington towns.
In dollars, FEMA expects about $2.7M a year in losses across Arlington Heights: $1.4M to buildings, the rest to people and crops.
Does Arlington Heights flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Arlington Heights. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Arlington Heights isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Snohomish County.The storms Arlington Heights remembers
None of the 31 disasters declared for Snohomish County shows FEMA aid or repair money reaching Arlington Heights itself in FEMA’s records, so these are its biggest flood-claim years.
Snohomish County has had 31 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 Snohomish County, 2022–2022.
Get ready for what Arlington Heights 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Arlington Heights
Is Arlington Heights at risk for natural disasters?
On FEMA’s National Risk Index, Arlington Heights has higher expected damage per building than 93% of U.S. towns: D for hazard risk, #264 of 285 in Washington. Most of the expected damage is river and rain flooding (81%) and earthquakes (16%). 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 Arlington Heights 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 Snohomish County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Arlington Heights?
FEMA’s Community Rating System list shows no discount for Arlington Heights’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Arlington Heights at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Arlington Heights’ rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Arlington Heights.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Arlington Heights’ 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.