Photo: Drums600 at English Wikipedia · Public domainStorms, floods and disasters in Seabeck
Seabeck isn’t graded for hazard risk: Seabeck has 787 residents; we grade towns of 1,000 or more.
What Seabeck 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.
Does Seabeck flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Seabeck. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Seabeck 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.2 federal disasters brought FEMA money to Seabeck
Disasters that paid out in Seabeck itself (aid to households or repair grants to Seabeck), newest first, with that year’s flood claims.
- 2007Severe Storms, Flooding, Landslides, and Mudslides103 households applied for aid$287K aid approved
- 2003Severe Storms and Flooding13 households applied for aid$2K aid approved
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 Seabeck after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Seabeck archive →Get ready for what Seabeck 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 Seabeck
Is Seabeck 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 Seabeck?
FEMA’s Community Rating System list shows no discount for Seabeck’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 Seabeck?
By FEMA money that reached Seabeck, Severe Storms, Flooding, Landslides, and Mudslides (2007): 103 households applied for aid, $287K approved.
Storm stories
Memories, warnings and help from neighbors in Seabeck.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Seabeck’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.