Photo: Joe Mabel · CC BY-SA 3.0On FEMA’s figures, Machias faces more hazard damage per building than 76% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Machias gets a C− for hazard risk: higher expected damage per building than 76% of U.S. towns. Most of that expected damage is river and rain flooding (64%), then earthquakes (35%). Flood insurance has paid 7 claims here since 1997.
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 Machias 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 Machias’ grade
River and rain flooding is 64% of the building damage FEMA expects in Machias, and Machias’ rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Next is earthquakes at 35% (higher than 87% of U.S. census tracts).
C− higher expected damage per building than 76% of U.S. towns (21,298).
Machias’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $479K a year in losses across Machias: $402K to buildings, the rest to people and crops.
Does Machias flood? Rarely: 7 flood claims since 1997
Every paid claim on a federal flood insurance policy in Machias, from FEMA’s records: 14.0 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.
Machias 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 Machias remembers
None of the 31 disasters declared for Snohomish County shows FEMA aid or repair money reaching Machias itself in FEMA’s records, so these are its biggest flood-claim years.
- 20132 flood claims paidNo declaration for the county that year
- 19971 flood claims paidThe year of Heavy Rains, Snow Melt, Flooding, Land and Mud Slides, declared for Snohomish County
- 20091 flood claims paidThe year of Severe Winter Storm, Landslides, Mudslides, and Flooding, declared for Snohomish County
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.
Old photos of Machias after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Machias archive →Machias and its neighbors
Machias is 4th of the 4 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 |
|---|---|---|---|
| Lake Stevens | B−more damage than 54% | river and rain flooding | 3 |
| Bunk Foss | Cmore damage than 74% | river and rain flooding | 14 |
| Cavalero | C−more damage than 76% | river and rain flooding | — |
| Machias | C−more damage than 76% | river and rain flooding | 7 |
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 Machias 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 Machias
Is Machias at risk for natural disasters?
On FEMA’s National Risk Index, Machias has higher expected damage per building than 76% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (64%) and earthquakes (35%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Machias flood?
Flood insurance has paid 7 claims in Machias since 1997, $77K in all, or 14.0 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record.
Is Machias 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 Machias?
FEMA’s Community Rating System list shows no discount for Machias’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Machias at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Machias’ rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Machias.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Machias’ 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.