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A+Hazard risk
Natural hazards in Town and Country · FEMA

On FEMA’s figures, few U.S. towns expect less hazard damage per building than Town and Country, mostly from river and rain flooding

On FEMA’s National Risk Index, Town and Country gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #3 of 285 in Washington. Most of that expected damage is river and rain flooding (87%), then earthquakes (10%). Flood insurance has paid 1 claim here since 2017.

River and rain flooding 87%Earthquakes 10%Strong wind 2%

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

among the lowestof U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#3 of 285 in Washington
Hazard risk
A+#3 of 285
in Washington · among the lowest of U.S. towns
Main hazard
River and rain flooding
87% of expected building damage
Flood claims
1
paid since 2017 · $839
Flood claims per home
0 per 1,000
fewer than 90% of U.S. towns
By hazard

What Town and Country 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

87%of expected building damage
Well below average · lower than 92% of U.S. census tracts
Recorded about once a year in the area

Earthquakes

10%of expected building damage
About average · higher than 55% of U.S. census tracts
Smaller shares here
 Strong wind Tornadoes Ice storms Winter storms Cold waves Hail Wildfire Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 28% of Town and Country’s expected losses. Cold waves do little damage to buildings (0.1%), 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.
Hazard risk grade

What’s behind Town and Country’s grade

River and rain flooding is 87% of the building damage FEMA expects in Town and Country, and Town and Country’s rate of river and rain flooding damage is lower than 92% of U.S. census tracts. Next is earthquakes at 10% (higher than 55% of U.S. census tracts).

Where Town and Country sits
Town and Country
Least damageMiddleMost damage

A+ #3 of 285 in Washington; among the lowest expected damage per building of U.S. towns (21,298).

Town and Country’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding87%Earthquakes10%Everything else3%

The typical Washington town has higher expected damage than 76% of U.S. towns; within the state, Town and Country has less expected damage per building than 99% of Washington towns.

In dollars, FEMA expects about $664K a year in losses across Town and Country: $332K to buildings, the rest to people and crops.

A small-area figure. Town and Country covers 3 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 Town and Country flood? Rarely: 1 flood claim since 2017

Every paid claim on a federal flood insurance policy in Town and Country, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2017: 1 claim2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2017
20172026
1
paid claims since 2017
$839
paid to owners
0
homes flooded more than once
$839
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Spokane County.
Disasters

The storms Town and Country remembers

None of the 17 disasters declared for Spokane County shows FEMA aid or repair money reaching Town and Country itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20171 flood claims paidThe year of Severe Winter Storms, Flooding, Landslides, Mudslides, declared for Spokane County
Disasters declared, by decade
Paid out in Town and CountrySpokane County only

Spokane County has had 17 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 13 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Spokane County, 2008–2026.

Were you here?

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

Add to the Town and Country archive →
Next door

Town and Country and its neighbors

Town and Country is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Spokane: hazard risk A+Country Homes: hazard risk A+SpokaneCountry HomesTown and Country
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Country HomesA+among the lowest damageriver and rain flooding—
Town and CountryA+among the lowest damageriver and rain flooding1
SpokaneA+less damage than 96%river and rain flooding7

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.

Be ready

Get ready for what Town and Country 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 Town and Country

Is Town and Country at risk for natural disasters?

On FEMA’s National Risk Index, Town and Country has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #3 of 285 in Washington. Most of the expected damage is river and rain flooding (87%) and earthquakes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Town and Country flood?

Flood insurance has paid 1 claim in Town and Country since 2017, $839 in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record.

Is Town and Country 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 Spokane County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Town and Country?

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

Is Town and Country at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (87%), and Town and Country’s rate for it is lower than 92% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Town and Country.

Town Square →
Start the conversation

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