Baker River Bridge · Photo: floodllama · CC BY 2.0Storms, floods and disasters in Concrete
Concrete isn’t graded for hazard risk: Concrete has 833 residents; we grade towns of 1,000 or more. Flood insurance has paid 11 claims here since 1979.
What Concrete 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.
Does Concrete flood? Sometimes: 11 flood claims since 1979
Every paid claim on a federal flood insurance policy in Concrete, from FEMA’s records.
Concrete isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Skagit County.8 federal disasters brought FEMA money to Concrete
Disasters that paid out in Concrete itself (aid to households or repair grants to the Town of Concrete), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides71 households applied for aid$647K aid approved
- 2021Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides44 households applied for aid$121K aid approved
- 2020Severe Winter Storm, Straight-line Winds, Flooding, Landslides, and Mudslides$15K to the Town of Concrete for repairs
- 2011Severe Winter Storm, Flooding, Landslides, and Mudslides$296K to the Town of Concrete for repairs
- 2009Severe Winter Storm, Landslides, Mudslides, and Flooding34 households applied for aid$201K aid approved$187K to the Town of Concrete for repairs1 flood claim paid that year
- 2008Severe Winter Storm and Record and Near Record Snow$5K to the Town of Concrete for repairs
Show all 8
- 2006Severe Storms, Flooding, Landslides, and Mudslides39 households applied for aid$77K aid approved
- 2003Severe Storms and Flooding68 households applied for aid$315K aid approved$2K to the Town of Concrete for repairs2 flood claims paid that year
Skagit County has had 24 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 Skagit County, 2015–2015.
Old photos of Concrete after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Concrete archive →Get ready for what Concrete 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 Concrete
Does Concrete flood?
Flood insurance has paid 11 claims in Concrete since 1979, $84K in all.
Is Concrete 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 Skagit County, 4.8% of all homes carry federal flood insurance.
How much is flood insurance in Concrete?
FEMA’s Community Rating System list shows no discount for Concrete’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 Concrete?
By FEMA money that reached Concrete, Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (2025): 71 households applied for aid, $647K approved.
Storm stories
Memories, warnings and help from neighbors in Concrete.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Concrete’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.