Natural hazards · Kootenai

Kootenai, ID natural hazards

Most of the natural-hazard damage FEMA expects in Kootenai comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Kootenai?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kootenai to be higher than in 56% of U.S. communities, mostly from inland flooding.

Inland flooding81%Cold waves9%Everything else10%

By hazard

What Kootenai faces

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

Inland flooding

81% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 2 years in the area

Cold waves

9% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Kootenai flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Kootenai 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 Kootenai

Federal disasters declared here

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

Brought FEMA money into KootenaiDeclared 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. Kootenai 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 Kootenai’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kootenai. 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.