Earl Oatman House · Photo: Jon Roanhaus · CC BY-SA 3.0More hazard damage per building is expected in Lofall than in 71% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Lofall gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns. Most of that expected damage is earthquakes (69%), 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 Lofall 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
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 Lofall’s grade
Earthquakes are 69% of the building damage FEMA expects in Lofall, and Lofall’s rate of earthquakes damage is in the top 8% of U.S. census tracts. Next is river and rain flooding at 29% (lower than 83% of U.S. census tracts).
C higher expected damage per building than 71% of U.S. towns (21,298).
Lofall’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.0M a year in losses across Lofall: $824K to buildings, the rest to people and crops.
Does Lofall flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lofall. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lofall 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.The storms Lofall remembers
None of the 13 disasters declared for Kitsap County shows FEMA aid or repair money reaching Lofall itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Get ready for what Lofall 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.
- 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 Lofall
Is Lofall at risk for natural disasters?
On FEMA’s National Risk Index, Lofall has higher expected damage per building than 71% of U.S. towns: C for hazard risk. Most of the expected damage is earthquakes (69%) and river and rain flooding (29%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lofall 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 Lofall?
FEMA’s Community Rating System list shows no discount for Lofall’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lofall at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (69%), and Lofall’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lofall.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lofall’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.