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Mossyrock PD washington (2)Photo: Richard Bauer · CC BY 2.0
–Not graded
Natural hazards in Mossyrock · FEMA

Storms, floods and disasters in Mossyrock

Mossyrock isn’t graded for hazard risk: Mossyrock has 875 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 33 declared for Lewis County
By hazard

What Mossyrock 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

80%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about once every 4 years in the area

Earthquakes

18%of expected building damage
Well above average · higher than 87% of U.S. census tracts
Smaller shares here
 Wildfire Landslides top 1% Strong wind Tornadoes Hail Winter storms Ice storms Cold waves Heat waves Lightning Avalanches top 0% Volcanic activity top 1%
FEMA models no building damage here
Coastal floodingHurricanesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 26% of Mossyrock’s expected losses. Avalanches do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Mossyrock flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Mossyrock. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Mossyrock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lewis County.
Disasters

4 federal disasters brought FEMA money to Mossyrock

Disasters that paid out in Mossyrock itself (aid to households or repair grants to the City of Mossyrock), newest first, with that year’s flood claims.

  1. 2025Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides2 households applied for aid$16K aid approved
  2. 2009Severe Winter Storm, Landslides, Mudslides, and Flooding9 households applied for aid$51K aid approved$24K to the City of Mossyrock for repairs
  3. 2008Severe Winter Storm and Record and Near Record Snow$24K to the City of Mossyrock for repairs
  4. 2006Severe Storms, Flooding, Landslides, and Mudslides2 households applied for aid$6K aid approved
Disasters declared, by decade
Paid out in MossyrockLewis County only

Lewis County has had 33 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.

Were you here?

Old photos of Mossyrock after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Mossyrock archive →
Be ready

Get ready for what Mossyrock faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Mossyrock

Is Mossyrock 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 Lewis County, 2.9% of all homes carry federal flood insurance.

How much is flood insurance in Mossyrock?

FEMA’s Community Rating System list shows no discount for Mossyrock’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Mossyrock?

By FEMA money that reached Mossyrock, Severe Winter Storm, Landslides, Mudslides, and Flooding (2009): 9 households applied for aid, $51K approved, and $24K to the City of Mossyrock for repairs.

Storm stories

Memories, warnings and help from neighbors in Mossyrock.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mossyrock’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.