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Natural hazards · Hamilton

Hamilton, WA natural hazards

Most of the natural-hazard damage FEMA expects in Hamilton comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 207 claims here since 1979. 7 federal disasters brought FEMA money into town.

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

How exposed is Hamilton?

92
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamilton to be higher than in 92% of U.S. communities, mostly from inland flooding.

Inland flooding78%Earthquakes10%Everything else12%
By hazard

What Hamilton faces

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

Inland flooding

78% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 3 years in the area

Earthquakes

10% of expected damage
Well above average · higher than 83% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDroughtAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesTsunamis
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 Hamilton flood?

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

207paid claims since 1979
$5.2Mpaid to owners
38homes flooded more than once
19792026

Biggest named events

  • Torrential rain: 36 claims, $838K
  • 2025-12-AtmosphericRiver: 8 claims, $836K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (10) ■ flooded 2+ times

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

What’s been done with FEMA grants

9flood-prone properties bought out and cleared
Disasters that hit Hamilton

7 federal disasters brought FEMA money here

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

Brought FEMA money into HamiltonDeclared for Skagit County only
2025

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

42 households applied for aid $415K aid approved $194K to the Town of Hamilton for repairs
2021

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

45 households applied for aid $141K aid approved $407K to the Town of Hamilton for repairs
2020

Severe Winter Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides

$14K to the Town of Hamilton for repairs
2020

Severe Storms, Flooding, Landslides, and Mudslides

$128K to the Town of Hamilton for repairs
2009

Severe Winter Storm, Landslides, Mudslides, and Flooding

1 household applied for aid
2006

Severe Storms, Flooding, Landslides, and Mudslides

37 households applied for aid $74K aid approved
2003

Severe Storms and Flooding

102 households applied for aid $528K aid approved $10K to the Town of Hamilton for repairs
Skagit County has had 26 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. Hamilton 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 Hamilton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hamilton. 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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