Natural hazards · State Line

State Line, ID natural hazards

Most of the natural-hazard damage FEMA expects in State Line 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 State Line?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in State Line to be higher than in 10% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding64%Cold waves18%Heat waves5%Everything else13%

By hazard

What State Line faces

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

Inland flooding

64% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Heat waves

5% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic 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 State Line flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. State Line 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 State Line

Federal disasters declared here

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

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