On FEMA’s figures, Washington faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Washington gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 2 claims here since 1996.
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 Washington 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
Tornadoes
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 Washington’s grade
River and rain flooding is 87% of the building damage FEMA expects in Washington, and Washington’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Next is tornadoes at 8% (higher than 74% of U.S. census tracts).
C+ higher expected damage per building than 60% of U.S. towns (21,298).
Washington’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.6M a year in losses across Washington: $946K to buildings, the rest to people and crops.
Does Washington flood? Rarely: 2 flood claims since 1996
Every paid claim on a federal flood insurance policy in Washington, from FEMA’s records: 1.5 per 1,000 homes, fewer than 69% of the 13,809 U.S. towns with a flood insurance record.
- The March 2019 Midwest Flooding1 claim · $62K
Washington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Shawano County.The storms Washington remembers
None of the 5 disasters declared for Shawano County shows FEMA aid or repair money reaching Washington itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidNo declaration for the county that year
- 20191 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and Flooding, declared for Shawano County
Shawano 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.
Old photos of Washington after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Washington archive →Washington and its neighbors
Washington is 4th of the 4 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 |
|---|---|---|---|
| Waukechon | A−less damage than 82% | river and rain flooding | — |
| Green Valley | Bless damage than 61% | river and rain flooding | — |
| Wescott | C+more damage than 55% | river and rain flooding | — |
| Washington | C+more damage than 60% | river and rain flooding | 2 |
| Hartland | — | 811 residents; we grade 1,000+ | |
| Underhill | — | 688 residents; we grade 1,000+ | |
| Pulcifer | — | 145 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 Washington 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Washington
Is Washington at risk for natural disasters?
On FEMA’s National Risk Index, Washington has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (87%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Washington flood?
Flood insurance has paid 2 claims in Washington since 1996, $64K in all, or 1.5 per 1,000 homes, fewer than 69% of U.S. towns with a flood insurance record. The most claims came from March 2019 Midwest Flooding (1).
Is Washington 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 Shawano County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Washington?
FEMA’s Community Rating System list shows no discount for Washington’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 Washington?
By flood claims, March 2019 Midwest Flooding: 1 paid, $62K.
Is Washington at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Washington’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Washington.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Washington’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.