Photo: Jan Tik · CC BY 2.0On FEMA’s figures, Hansville faces more hazard damage per building than 77% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Hansville gets a C− for hazard risk: higher expected damage per building than 77% of U.S. towns, #148 of 285 in Washington. Most of that expected damage is earthquakes (57%), then river and rain flooding (29%). 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 Hansville 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.
What’s behind Hansville’s grade
Earthquakes are 57% of the building damage FEMA expects in Hansville, and Hansville’s rate of earthquakes damage is in the top 9% of U.S. census tracts. Coastal flooding adds 12%, at a rate in the top 2% of U.S. census tracts.
C− #148 of 285 in Washington; higher expected damage per building than 77% of U.S. towns (21,298).
Hansville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Washington town has higher expected damage than 76% of U.S. towns; within the state, Hansville has more expected damage per building than 52% of Washington towns.
In dollars, FEMA expects about $1.7M a year in losses across Hansville: $1.4M to buildings, the rest to people and crops.
Does Hansville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hansville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hansville 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.1 federal disaster brought FEMA money to Hansville
Disasters that paid out in Hansville itself (aid to households or repair grants to Hansville), newest first, with that year’s flood claims.
- 2007Severe Storms, Flooding, Landslides, and Mudslides4 households applied for aid$10K aid approved
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 Hansville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hansville archive →Hansville and its neighbors
Hansville is 2nd of the 2 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 |
|---|---|---|---|
| Port Ludlow | Cmore damage than 70% | earthquakes | — |
| Hansville | C−more damage than 77% | earthquakes | 0 |
| Port Gamble Tribal Community | — | 624 residents; we grade 1,000+ | |
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 Hansville 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 Hansville
Is Hansville at risk for natural disasters?
On FEMA’s National Risk Index, Hansville has higher expected damage per building than 77% of U.S. towns: C− for hazard risk, #148 of 285 in Washington. Most of the expected damage is earthquakes (57%) and river and rain flooding (29%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Hansville 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 Hansville?
FEMA’s Community Rating System list shows no discount for Hansville’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 Hansville?
By FEMA money that reached Hansville, Severe Storms, Flooding, Landslides, and Mudslides (2007): 4 households applied for aid, $10K approved.
Is Hansville at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (57%), and Hansville’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hansville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hansville’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.