Natural hazards · Spokane

Spokane, MO natural hazards

Most of the natural-hazard damage FEMA expects in Spokane comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Spokane?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spokane to be higher than in 60% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes15%Heat waves10%Everything else21%

By hazard

What Spokane faces

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

Inland flooding

55% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 21 years in the area

Heat waves

10% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 13 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Spokane flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Christian County.

Disasters that hit Spokane

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Spokane itself: aid to households, or repair grants to Spokane.

Brought FEMA money into SpokaneDeclared for Christian County only

2017

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

3 households applied for aid $1K aid approved

2009

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $3K aid approved

2008

Severe Storms, Flooding, and a Tornado

1 household applied for aid

2008

Severe Storms and Flooding

3 households applied for aid $14K aid approved

Christian County has had 18 natural disasters declared since 1953, most often severe storms and ice storms.

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. Spokane 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 Spokane’s own flood-insurance community; household aid to the registrant’s city; repair grants to Spokane. 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.