Storms, floods and disasters in Erlands Point
Erlands Point isn’t graded for hazard risk: Erlands Point has 854 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 2012.
What Erlands Point 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.
Does Erlands Point flood? Rarely: 2 flood claims since 2012
Every paid claim on a federal flood insurance policy in Erlands Point, from FEMA’s records.
Erlands Point 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 Erlands Point remembers
None of the 13 disasters declared for Kitsap County shows FEMA aid or repair money reaching Erlands Point itself in FEMA’s records, so these are its biggest flood-claim years.
- 20121 flood claims paidNo declaration for the county that year
- 20221 flood claims paidNo declaration for the county that year
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.
Old photos of Erlands Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Erlands Point archive →Erlands Point and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Tracyton | C+more damage than 65% | earthquakes | — |
| Chico | C−more damage than 83% | earthquakes | — |
| Kitsap Lake | C−more damage than 84% | earthquakes | — |
| Bremerton | Dmore damage than 86% | earthquakes | 9 |
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 Erlands Point 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 Erlands Point
Does Erlands Point flood?
Flood insurance has paid 2 claims in Erlands Point since 2012, $42K in all.
Is Erlands Point 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 Erlands Point?
FEMA’s Community Rating System list shows no discount for Erlands Point’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Erlands Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Erlands Point’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.