Natural hazards · Rathdrum

Rathdrum, ID natural hazards

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

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

Expected damage

How exposed is Rathdrum?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rathdrum to be higher than in 17% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves25%Heat waves6%Everything else12%

By hazard

What Rathdrum faces

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

Inland flooding

58% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Cold waves

25% of expected damage

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

Recorded about once a year in the area

Heat waves

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Rathdrum flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kootenai County.

Disasters that hit Rathdrum

Federal disasters declared here

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

Brought FEMA money into RathdrumDeclared for Kootenai County only

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

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. Rathdrum covers 1 census tract, combined by population.

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

FEMA’s expected losses across Rathdrum total about $1.0M a year, counting buildings, people and crops.

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.