FEMA expects about as much hazard damage per building in Hazel Dell as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Hazel Dell gets a B− for hazard risk: lower expected damage per building than 55% of U.S. towns, #43 of 285 in Washington. Most of that expected damage is river and rain flooding (55%), then earthquakes (43%). 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 Hazel Dell 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 Hazel Dell’s grade
River and rain flooding is 55% of the building damage FEMA expects in Hazel Dell, and Hazel Dell’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is earthquakes at 43% (higher than 85% of U.S. census tracts).
B− #43 of 285 in Washington; lower expected damage per building than 55% of U.S. towns (21,298).
Hazel Dell’s residents live in 6 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, Hazel Dell has less expected damage per building than 85% of Washington towns.
In dollars, FEMA expects about $6.3M a year in losses across Hazel Dell: $3.9M to buildings, the rest to people and crops.
Does Hazel Dell flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hazel Dell. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hazel Dell isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clark County.The storms Hazel Dell remembers
None of the 13 disasters declared for Clark County shows FEMA aid or repair money reaching Hazel Dell itself in FEMA’s records, so these are its biggest flood-claim years.
Clark 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Clark County, 2022–2022.
Hazel Dell and its neighbors
Hazel Dell is 4th of the 4 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 |
|---|---|---|---|
| Vancouver | Bless damage than 63% | earthquakes | 5 |
| Lake Shore | Bless damage than 63% | river and rain flooding | 1 |
| Salmon Creek | Bless damage than 56% | river and rain flooding | — |
| Hazel Dell | B−less damage than 55% | river and rain flooding | 0 |
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 Hazel Dell 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 Hazel Dell
Is Hazel Dell at risk for natural disasters?
On FEMA’s National Risk Index, Hazel Dell has lower expected damage per building than 55% of U.S. towns: B− for hazard risk, #43 of 285 in Washington. Most of the expected damage is river and rain flooding (55%) and earthquakes (43%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Hazel Dell 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 Clark County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Hazel Dell?
FEMA’s Community Rating System list shows no discount for Hazel Dell’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Hazel Dell at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (55%), and Hazel Dell’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hazel Dell.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hazel Dell’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.