On FEMA’s figures, Parkwood faces more hazard damage per building than 87% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Parkwood gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns, #219 of 285 in Washington. Most of that expected damage is earthquakes (82%), then river and rain flooding (17%). Flood insurance has paid 1 claim here since 2010.
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 Parkwood 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 Parkwood’s grade
Earthquakes are 82% of the building damage FEMA expects in Parkwood, and Parkwood’s rate of earthquakes damage is in the top 3% of U.S. census tracts. Next is river and rain flooding at 17% (lower than 89% of U.S. census tracts).
D #219 of 285 in Washington; higher expected damage per building than 87% of U.S. towns (21,298).
Parkwood’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Washington town has higher expected damage than 76% of U.S. towns; within the state, Parkwood has more expected damage per building than 77% of Washington towns.
In dollars, FEMA expects about $4.6M a year in losses across Parkwood: $2.5M to buildings, the rest to people and crops.
Does Parkwood flood? Rarely: 1 flood claim since 2010
Every paid claim on a federal flood insurance policy in Parkwood, from FEMA’s records: 0.3 per 1,000 homes, fewer than 94% of the 13,809 U.S. towns with a flood insurance record.
Parkwood 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 Parkwood remembers
None of the 13 disasters declared for Kitsap County shows FEMA aid or repair money reaching Parkwood itself in FEMA’s records, so these are its biggest flood-claim years.
- 20101 flood claims paidNo declaration for the county that year
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.
Old photos of Parkwood after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Parkwood archive →Parkwood and its neighbors
Parkwood is 3rd of the 3 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 |
|---|---|---|---|
| Port Orchard | C−more damage than 84% | earthquakes | 2 |
| East Port Orchard | Dmore damage than 85% | earthquakes | 1 |
| Parkwood | Dmore damage than 87% | earthquakes | 1 |
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 Parkwood 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 Parkwood
Is Parkwood at risk for natural disasters?
On FEMA’s National Risk Index, Parkwood has higher expected damage per building than 87% of U.S. towns: D for hazard risk, #219 of 285 in Washington. Most of the expected damage is earthquakes (82%) and river and rain flooding (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Parkwood flood?
Flood insurance has paid 1 claim in Parkwood since 2010, $9K in all, or 0.3 per 1,000 homes, fewer than 94% of U.S. towns with a flood insurance record.
Is Parkwood 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 Parkwood?
FEMA’s Community Rating System list shows no discount for Parkwood’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Parkwood at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (82%), and Parkwood’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Parkwood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Parkwood’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.