Natural hazards · Clark Fork

Clark Fork, ID natural hazards

Most of the natural-hazard damage FEMA expects in Clark Fork comes from avalanches, and overall the risk is very high for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Clark Fork?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clark Fork to be higher than in 82% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches61%Inland flooding33%Everything else7%

By hazard

What Clark Fork faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Avalanches

61% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

33% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Clark Fork flood?

FEMA's records show no paid flood insurance claims in Clark Fork.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Clark Fork isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Bonner County.

Disasters that hit Clark Fork

Federal disasters declared here

None of the disasters declared for Bonner County shows FEMA aid or repair money reaching Clark Fork itself in FEMA’s records.

Brought FEMA money into Clark ForkDeclared for Bonner County only

Bonner County has had 16 natural disasters declared since 1953, most often severe storms and fires.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Clark Fork is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Clark Fork’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Clark Fork. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.