FEMA puts Bangor Base’s expected hazard damage per building above that of 73% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Bangor Base gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns, #122 of 285 in Washington. Most of that expected damage is earthquakes (83%), then river and rain flooding (15%). 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 Bangor Base 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
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 Bangor Base’s grade
Earthquakes are 83% of the building damage FEMA expects in Bangor Base, and Bangor Base’s rate of earthquakes damage is in the top 6% of U.S. census tracts. Tsunamis add 1%, at a rate in the top 1% of U.S. census tracts.
C #122 of 285 in Washington; higher expected damage per building than 73% of U.S. towns (21,298).
All of Bangor Base’s 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, Bangor Base has less expected damage per building than 57% of Washington towns.
In dollars, FEMA expects about $3.0M a year in losses across Bangor Base: $1.8M to buildings, the rest to people and crops.
Does Bangor Base flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bangor Base. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bangor Base isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kitsap County.The storms Bangor Base remembers
None of the 13 disasters declared for Kitsap County shows FEMA aid or repair money reaching Bangor Base itself in FEMA’s records, so these are its biggest flood-claim years.
Kitsap 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.
Bangor Base and its neighbors
Bangor Base has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bangor Base | Cmore damage than 73% | earthquakes | 0 |
| Silverdale | C−more damage than 79% | earthquakes | 2 |
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 Bangor Base 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.
- 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 Bangor Base
Is Bangor Base at risk for natural disasters?
On FEMA’s National Risk Index, Bangor Base has higher expected damage per building than 73% of U.S. towns: C for hazard risk, #122 of 285 in Washington. Most of the expected damage is earthquakes (83%) and river and rain flooding (15%). 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 Bangor Base 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 Kitsap County, 39% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Bangor Base?
FEMA’s Community Rating System list shows no discount for Bangor Base’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bangor Base at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (83%), and Bangor Base’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bangor Base.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bangor Base’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.