Photo: Christopher Sundita at English Wikipedia · CC BY-SA 3.0FEMA puts Kettle Falls’s expected hazard damage per building above that of 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Kettle Falls gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (82%), then wildfire (17%). 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 Kettle Falls 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
Wildfire
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 Kettle Falls’ grade
River and rain flooding is 82% of the building damage FEMA expects in Kettle Falls, and Kettle Falls’ rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Wildfire adds 17%, at a rate in the top 3% of U.S. census tracts.
C higher expected damage per building than 75% of U.S. towns (21,298).
Kettle Falls’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $662K a year in losses across Kettle Falls: $563K to buildings, the rest to people and crops.
Does Kettle Falls flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kettle Falls. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kettle Falls isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Stevens County.1 federal disaster brought FEMA money to Kettle Falls
Disasters that paid out in Kettle Falls itself (aid to households or repair grants to the City of Kettle Falls), newest first, with that year’s flood claims.
- 2008Severe Winter Storm and Record and Near Record Snow$7K to the City of Kettle Falls for repairs
Stevens 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 7 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Stevens County, 2006–2026.
Old photos of Kettle Falls after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kettle Falls archive →Get ready for what Kettle Falls 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Kettle Falls
Is Kettle Falls at risk for natural disasters?
On FEMA’s National Risk Index, Kettle Falls has higher expected damage per building than 75% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (82%) and wildfire (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Kettle Falls 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 Stevens County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Kettle Falls?
FEMA’s Community Rating System list shows no discount for Kettle Falls’ 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 Kettle Falls?
By FEMA money that reached Kettle Falls, Severe Winter Storm and Record and Near Record Snow (2008): $7K to the City of Kettle Falls for repairs.
Is Kettle Falls at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Kettle Falls’ rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kettle Falls.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kettle Falls’ 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.