Photo: Nomeato · Public domainStorms, floods and disasters in Loon Lake
Loon Lake isn’t graded for hazard risk: Loon Lake has 906 residents; we grade towns of 1,000 or more.
What Loon Lake faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
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.
Does Loon Lake flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Loon Lake. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Loon Lake 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.The storms Loon Lake remembers
None of the 13 disasters declared for Stevens County shows FEMA aid or repair money reaching Loon Lake itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Get ready for what Loon Lake faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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 Loon Lake
Is Loon Lake 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 Loon Lake?
FEMA’s Community Rating System list shows no discount for Loon Lake’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Loon Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Loon Lake’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.