On FEMA’s figures, few U.S. towns expect more hazard damage per building than Lexington, mostly from river and rain flooding
On FEMA’s National Risk Index, Lexington gets a D− for hazard risk: among the highest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (73%), then volcanic activity (15%). 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 Lexington 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
Volcanic activity
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 Lexington’s grade
River and rain flooding is 73% of the building damage FEMA expects in Lexington, and Lexington’s rate of river and rain flooding damage is in the top 1% of U.S. census tracts. Volcanic activity adds 15%, at a rate in the top 1% of U.S. census tracts.
D− #284 of 285 in Washington; among the highest expected damage per building of U.S. towns (21,298).
All of Lexington’s residents live in one census tract; the figures are that tract’s.
The typical Washington town has higher expected damage than 76% of U.S. towns; within the state, Lexington has more expected damage per building than 100% of Washington towns.
In dollars, FEMA expects about $5.7M a year in losses across Lexington: $3.3M to buildings, the rest to people and crops.
Does Lexington flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lexington. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lexington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cowlitz County.The storms Lexington remembers
None of the 20 disasters declared for Cowlitz County shows FEMA aid or repair money reaching Lexington itself in FEMA’s records, so these are its biggest flood-claim years.
Cowlitz County has had 20 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.
Lexington and its neighbors
Lexington 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 |
|---|---|---|---|
| Beacon Hill | Dmore damage than 85% | river and rain flooding | 2 |
| Lexington | D−among the highest damage | 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 Lexington 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.
- Keep N95 masks and goggles for ash.
- Know the evacuation routes.
- Keep ash out of the house and car vents.
- 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 Lexington
Is Lexington at risk for natural disasters?
On FEMA’s National Risk Index, Lexington has among the highest expected damage per building of U.S. towns: D− for hazard risk. Most of the expected damage is river and rain flooding (73%) and volcanic activity (15%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lexington 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 Cowlitz County, 31% of homes in mapped flood zones carry federal flood insurance, and 2.0% of all homes do.
How much is flood insurance in Lexington?
FEMA’s Community Rating System list shows no discount for Lexington’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lexington at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Lexington’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lexington.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lexington’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.