Natural hazards · Ilwaco

Ilwaco, WA natural hazards

Most of the natural-hazard damage FEMA expects in Ilwaco comes from tsunamis, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 1997. 5 federal disasters brought FEMA money into town.

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

How exposed is Ilwaco?

87
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ilwaco to be higher than in 87% of U.S. communities, mostly from tsunamis.

Tsunamis84%Earthquakes10%Everything else5%
By hazard

What Ilwaco faces

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

Tsunamis

84% of expected damage
Well above average · among the top 1% of U.S. places

Earthquakes

10% of expected damage
Well above average · higher than 93% of U.S. places

Lower here

Inland floodingCoastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

HurricanesDroughtAvalanchesVolcanic activity
Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Ilwaco flood?

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

2paid claims since 1997
$5Kpaid to owners
0homes flooded more than once
19972026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Ilwaco isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pacific County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
Disasters that hit Ilwaco

5 federal disasters brought FEMA money here

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

Brought FEMA money into IlwacoDeclared for Pacific County only
2025

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

1 household applied for aid
2024

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

$22K to the City of Ilwaco for repairs
2007

Severe Storms, Flooding, Landslides, and Mudslides

29 households applied for aid $12K aid approved
2006

Severe Winter Storm, Landslides, and Mudslides

$2K to the City of Ilwaco for repairs
2006

Severe Storms, Flooding, Landslides, and Mudslides

$57K to the City of Ilwaco for repairs
Pacific County has had 24 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. Ilwaco 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 Ilwaco’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ilwaco. 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