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Natural hazards · Cosmopolis

Cosmopolis, WA natural hazards

Most of the natural-hazard damage FEMA expects in Cosmopolis comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 5 claims here since 1986. 8 federal disasters brought FEMA money into town.

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

How exposed is Cosmopolis?

99
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cosmopolis to be higher than in 99% of U.S. communities, mostly from earthquakes and coastal flooding.

Earthquakes51%Coastal flooding32%Inland flooding13%Everything else5%
By hazard

What Cosmopolis faces

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

Earthquakes

51% of expected damage
Well above average · among the top 1% of U.S. places

Coastal flooding

32% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

13% of expected damage
Above average · higher than 65% of U.S. places
Recorded about once every 5 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtTsunamis

Not a risk here

HurricanesCold wavesAvalanchesVolcanic 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 Cosmopolis flood?

Every paid claim on a federal flood insurance policy in Cosmopolis, from FEMA’s records.

5paid claims since 1986
$24Kpaid to owners
1homes flooded more than once
19862026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Cosmopolis isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grays Harbor County.
Disasters that hit Cosmopolis

8 federal disasters brought FEMA money here

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

Brought FEMA money into CosmopolisDeclared for Grays Harbor County only
2025

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

3 households applied for aid $9K aid approved
2012

Severe Winter Storm, Flooding, Landslides, and Mudslides

$1K to the City of Cosmopolis for repairs
2009

Severe Winter Storm, Landslides, Mudslides, and Flooding

24 households applied for aid $276K aid approved $14K to the City of Cosmopolis for repairs
2008

Severe Winter Storm and Record and Near Record Snow

$4K to the City of Cosmopolis for repairs
2007

Severe Storms, Flooding, Landslides, and Mudslides

141 households applied for aid $93K aid approved $42K to the City of Cosmopolis for repairs
2006

Severe Storms, Flooding, Landslides, and Mudslides

4 households applied for aid $2K aid approved
2003

Severe Storms and Flooding

2 households applied for aid $820 aid approved $15K to the City of Cosmopolis for repairs
2001

Earthquake

$28K to the City of Cosmopolis for repairs
Grays Harbor County has had 30 natural disasters declared since 1953, most often floods and severe 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. Cosmopolis 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 Cosmopolis’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cosmopolis. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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