FEMA expects about as much hazard damage per building in Lake Cassidy as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Lake Cassidy gets a B− for hazard risk: lower expected damage per building than 54% of U.S. towns, #44 of 285 in Washington. Most of that expected damage is river and rain flooding (57%), 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 Lake Cassidy 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 Lake Cassidy’s grade
River and rain flooding is 57% of the building damage FEMA expects in Lake Cassidy, and Lake Cassidy’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Next is earthquakes at 43% (higher than 85% of U.S. census tracts).
B− #44 of 285 in Washington; lower expected damage per building than 54% of U.S. towns (21,298).
Lake Cassidy’s residents live in 4 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, Lake Cassidy has less expected damage per building than 85% of Washington towns.
In dollars, FEMA expects about $884K a year in losses across Lake Cassidy: $687K to buildings, the rest to people and crops.
Does Lake Cassidy flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lake Cassidy. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lake Cassidy isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Snohomish County.The storms Lake Cassidy remembers
None of the 31 disasters declared for Snohomish County shows FEMA aid or repair money reaching Lake Cassidy itself in FEMA’s records, so these are its biggest flood-claim years.
Snohomish County has had 31 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 Snohomish County, 2022–2022.
Lake Cassidy and its neighbors
Lake Cassidy has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lake Cassidy | B−less damage than 54% | river and rain flooding | 0 |
| Lake Stevens | B−more damage than 54% | river and rain flooding | 3 |
| Sisco Heights | C+more damage than 57% | river and rain flooding | — |
| Marysville | C−more damage than 76% | earthquakes | 8 |
| Lochsloy | Dmore damage than 89% | river and rain flooding | — |
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 Lake Cassidy 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 Lake Cassidy
Is Lake Cassidy at risk for natural disasters?
On FEMA’s National Risk Index, Lake Cassidy has lower expected damage per building than 54% of U.S. towns: B− for hazard risk, #44 of 285 in Washington. Most of the expected damage is river and rain flooding (57%) and earthquakes (43%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lake Cassidy 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 Snohomish County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Lake Cassidy?
FEMA’s Community Rating System list shows no discount for Lake Cassidy’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lake Cassidy at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Lake Cassidy’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lake Cassidy.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Cassidy’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.