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A+Hazard risk
Natural hazards in Country Homes · FEMA

On FEMA’s figures, few U.S. towns expect less hazard damage per building than Country Homes, mostly from river and rain flooding

On FEMA’s National Risk Index, Country Homes gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #2 of 285 in Washington. Most of that expected damage is river and rain flooding (82%), then earthquakes (14%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 82%Earthquakes 14%Strong wind 2%

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

among the lowestof U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#2 of 285 in Washington
Hazard risk
A+#2 of 285
in Washington · among the lowest of U.S. towns
Main hazard
River and rain flooding
82% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 17 declared for Spokane County
By hazard

What Country Homes 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

82%of expected building damage
Well below average · lower than 95% of U.S. census tracts
Recorded about once a year in the area

Earthquakes

14%of expected building damage
Above average · higher than 64% of U.S. census tracts
Smaller shares here
 Strong wind Tornadoes Wildfire Ice storms Winter storms Cold waves Hail Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 29% of Country Homes’ expected losses. Cold waves do little damage to buildings (0.1%), 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.
Hazard risk grade

What’s behind Country Homes’ grade

River and rain flooding is 82% of the building damage FEMA expects in Country Homes, and Country Homes’ rate of river and rain flooding damage is lower than 95% of U.S. census tracts. Next is earthquakes at 14% (higher than 64% of U.S. census tracts).

Where Country Homes sits
Country Homes
Least damageMiddleMost damage

A+ #2 of 285 in Washington; among the lowest expected damage per building of U.S. towns (21,298).

Country Homes’ residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding82%Earthquakes14%Everything else4%

The typical Washington town has higher expected damage than 76% of U.S. towns; within the state, Country Homes has less expected damage per building than 100% of Washington towns.

In dollars, FEMA expects about $804K a year in losses across Country Homes: $391K to buildings, the rest to people and crops.

A small-area figure. Country Homes covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Country Homes flood? No paid flood claims on record

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

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Spokane County.
Disasters

The storms Country Homes remembers

None of the 17 disasters declared for Spokane County shows FEMA aid or repair money reaching Country Homes itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Country HomesSpokane County only

Spokane County has had 17 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 13 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Spokane County, 2008–2026.

Next door

Country Homes and its neighbors

Country Homes has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.

Town and Country: hazard risk A+Spokane: hazard risk A+Fairwood: hazard risk ATown and CountrySpokaneFairwoodCountry Homes
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Country HomesA+among the lowest damageriver and rain flooding0
Town and CountryA+among the lowest damageriver and rain flooding1
SpokaneA+less damage than 96%river and rain flooding7
FairwoodAless damage than 94%river and rain flooding—

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.

Be ready

Get ready for what Country Homes 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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Country Homes

Is Country Homes at risk for natural disasters?

On FEMA’s National Risk Index, Country Homes has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #2 of 285 in Washington. Most of the expected damage is river and rain flooding (82%) and earthquakes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Country Homes 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 Spokane County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Country Homes?

FEMA’s Community Rating System list shows no discount for Country Homes’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Country Homes at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (82%), and Country Homes’ rate for it is lower than 95% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Country Homes.

Town Square →
Start the conversation

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