Spokane County Disaster Risk

Spokane County, Washington

FEMA Risk Rating

Relatively Moderate

National Percentile

90th

of 3,144 counties

State Rank

#13

of 39 (1 = highest risk)

Flood Risk

92th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Moderate

Higher than 92% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Relatively High

Higher than 97% of US counties

Tornado

Tornado and severe thunderstorm risk

Very Low

Higher than 43% of US counties

Earthquake

Seismic activity and ground shaking risk

Moderate

Higher than 86% of US counties

Is your home insured against Spokane County's risks?

Compare home and flood insurance quotes in minutes.

Get Quotes →

Sponsored

High flood risk area

Learn about NFIP flood insurance coverage for your property.

Learn More →

Frequently Asked Questions

What is the natural disaster risk in Spokane County, WA?
Spokane County has a FEMA National Risk Index rating of Relatively Moderate, placing it in the 90th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Spokane County?
Spokane County is evaluated for five major natural hazard types: wildfire (97th percentile), flooding (92th percentile), earthquake (86th percentile), tornado (43th percentile). The highest-risk hazard is wildfire at the 97th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Spokane County risk compare to the Washington average?
Spokane County's composite risk percentile is 90th, compared to the Washington state average of 70th percentile. The state's overall risk rating is Relatively Low. This means Spokane County faces higher natural disaster risk than the typical county in Washington.
Is Spokane County at risk for wildfire?
Yes, Spokane County's wildfire risk is at the 97th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, Spokane County is at the 92th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Why is Spokane County higher risk than average?
Spokane County's composite risk score of 90th percentile is above the Washington state average of 70th percentile. This elevated risk is driven by wildfire exposure (97th percentile), along with flooding and earthquake risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.