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John R. Jackson HouseJohn R. Jackson House · Photo: Shortiefourten · CC BY-SA 4.0
C−Hazard risk
Natural hazards in Napavine · FEMA

FEMA puts Napavine’s expected hazard damage per building above that of 76% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Napavine 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 (52%), then earthquakes (46%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 52%Earthquakes 46%

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

more than 76%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Washington · higher than 76% of U.S. towns
Main hazard
River and rain flooding
52% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 33 declared for Lewis County
By hazard

What Napavine 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

52%of expected building damage
Above average · higher than 61% of U.S. census tracts
Recorded about once every 4 years in the area

Earthquakes

46%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Smaller shares here
 Strong wind Tornadoes Wildfire Ice storms Hail Winter storms Heat waves Landslides Lightning Volcanic activity top 2%
FEMA models no building damage here
Coastal floodingHurricanesCold wavesAvalanchesTsunamis

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.
Hazard risk grade

What’s behind Napavine’s grade

River and rain flooding is 52% of the building damage FEMA expects in Napavine, and Napavine’s rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Next is earthquakes at 46% (higher than 89% of U.S. census tracts).

Where Napavine sits
Napavine
Least damageMiddleMost damage

C− higher expected damage per building than 76% of U.S. towns (21,298).

Napavine’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding52%Earthquakes46%Everything else1%

In dollars, FEMA expects about $764K a year in losses across Napavine: $624K to buildings, the rest to people and crops.

A small-area figure. Napavine covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Napavine flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Napavine. 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

Napavine 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

3 federal disasters brought FEMA money to Napavine

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

  1. 2009Severe Winter Storm, Landslides, Mudslides, and Flooding$7K to the City of Napavine for repairs
  2. 2008Severe Winter Storm and Record and Near Record Snow$2K to the City of Napavine for repairs
  3. 2007Severe Storms, Flooding, Landslides, and Mudslides4 households applied for aid$24K aid approved$13K to the City of Napavine for repairs
Disasters declared, by decade
Paid out in NapavineLewis 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 Napavine after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Napavine archive →
Be ready

Get ready for what Napavine 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 Napavine

Is Napavine at risk for natural disasters?

On FEMA’s National Risk Index, Napavine 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 (52%) and earthquakes (46%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Napavine 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 Napavine?

FEMA’s Community Rating System list shows no discount for Napavine’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 Napavine?

By FEMA money that reached Napavine, Severe Storms, Flooding, Landslides, and Mudslides (2007): 4 households applied for aid, $24K approved, and $13K to the City of Napavine for repairs.

Is Napavine at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (52%), and Napavine’s rate for it is higher than 61% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Napavine.

Town Square →
Start the conversation

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