Whitman Mission National Historic Site · Photo: National Park Service · Public domainFEMA puts Garrett’s expected hazard damage per building below that of 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Garrett gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns. Most of that expected damage is river and rain flooding (68%), then earthquakes (30%). 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 Garrett 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 Garrett’s grade
River and rain flooding is 68% of the building damage FEMA expects in Garrett, and Garrett’s rate of river and rain flooding damage is lower than 56% of U.S. census tracts. Next is earthquakes at 30% (higher than 83% of U.S. census tracts).
B lower expected damage per building than 62% of U.S. towns (21,298).
Garrett’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $601K a year in losses across Garrett: $441K to buildings, the rest to people and crops.
Does Garrett flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Garrett. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Garrett isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Walla Walla County.The storms Garrett remembers
None of the 8 disasters declared for Walla Walla County shows FEMA aid or repair money reaching Garrett itself in FEMA’s records, so these are its biggest flood-claim years.
Walla Walla County has had 8 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Walla Walla County, 2006–2015.
Garrett and its neighbors
Garrett is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Walla Walla | B+less damage than 70% | river and rain flooding | 1 |
| Garrett | Bless damage than 62% | river and rain flooding | 0 |
| College Place | Bless damage than 58% | river and rain flooding | 1 |
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 Garrett 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 Garrett
Is Garrett at risk for natural disasters?
On FEMA’s National Risk Index, Garrett has lower expected damage per building than 62% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (68%) and earthquakes (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Garrett 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 Walla Walla County, 0.7% of all homes carry federal flood insurance.
How much is flood insurance in Garrett?
FEMA’s Community Rating System list shows no discount for Garrett’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Garrett at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Garrett’s rate for it is lower than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Garrett.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Garrett’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.