Photo: Billertl · CC BY-SA 3.0On FEMA’s figures, Park Falls faces less hazard damage per building than 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Park Falls gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns. Most of that expected damage is river and rain flooding (93%). FEMA’s files show no paid flood insurance claims here.
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 Park Falls 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
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 Park Falls’ grade
River and rain flooding is 93% of the building damage FEMA expects in Park Falls, and Park Falls’ rate of river and rain flooding damage is higher than 57% of U.S. census tracts.
B+ lower expected damage per building than 74% of U.S. towns (21,298).
Park Falls’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.4M a year in losses across Park Falls: $655K to buildings, the rest to people and crops.
Does Park Falls flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Park Falls. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Park Falls isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Price County.The storms Park Falls remembers
None of the 5 disasters declared for Price County shows FEMA aid or repair money reaching Park Falls itself in FEMA’s records, so these are its biggest flood-claim years.
Price County has had 5 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.
Park Falls and its neighbors
Park Falls has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Park Falls | B+less damage than 74% | river and rain flooding | 0 |
| Lake | B+less damage than 67% | river and rain flooding | — |
| Eisenstein | — | 563 residents; we grade 1,000+ | |
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 Park Falls faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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 Park Falls
Is Park Falls at risk for natural disasters?
On FEMA’s National Risk Index, Park Falls has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Park Falls 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 Price County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Park Falls?
FEMA’s Community Rating System list shows no discount for Park Falls’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Park Falls at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Park Falls’ rate for it is higher than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Park Falls.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Park Falls’ 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.