Property Atlas

County hazard profile

Spokane, WA

Washington · pop. 538,806 · FIPS 53063

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$99M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

lower than most counties (31st percentile)

national median $15M/yr Spokane $99M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 89.98/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 21.02/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 75.8/100
national median ~50 higher than 76% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Spokane

The National Flood Insurance Program has paid 62 flood-insurance claims totaling $1.8M in Spokane since 1979. The costliest year was 2025 ($1.0M paid).

Flood-insurance dollars paid by year of loss

1979: $766 paid 1980: $0 paid 1982: $3,779 paid 1984: $0 paid 1989: $0 paid 1990: $713 paid 1995: $0 paid 1996: $0 paid 1997: $185,074 paid 1999: $0 paid 2006: $259,457 paid 2008: $0 paid 2009: $0 paid 2012: $37,684 paid 2013: $0 paid 2014: $96,061 paid 2016: $8,636 paid 2017: $180,312 paid 2018: $3,237 paid 2022: $22,917 paid 2025: $1,000,000 paid 2025 · $1.0M 1979 2025
$1.8M
total paid
$29,010
average claim
$1.0M
largest single claim
39%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Spokane, WA and where it ranks among U.S. counties. It is not a verdict on whether Spokane is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.