Natural hazards · Lynden

Lynden, WA natural hazards

Most of the natural-hazard damage FEMA expects in Lynden comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 2003. 7 federal disasters brought FEMA money into town.

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

How exposed is Lynden?

78
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lynden to be higher than in 78% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes46%Inland flooding45%Cold waves5%Everything else4%
By hazard

What Lynden faces

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

Earthquakes

46% of expected damage
Well above average · higher than 89% of U.S. places

Inland flooding

45% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about once every 6 years in the area

Cold waves

5% of expected damage
Above average · higher than 67% of U.S. places
Recorded about once every 2 years in the area

Lower here

TornadoesIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesHailAvalanchesTsunamis
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 Lynden flood?

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

7paid claims since 2003
$66Kpaid to owners
1homes flooded more than once
20032026

Biggest named events

  • Torrential rain: 1 claim, $6K

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. Lynden isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Whatcom County.

What’s been done with FEMA grants

6flood-prone properties bought out and cleared
2homes raised above flood level
Disasters that hit Lynden

7 federal disasters brought FEMA money here

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

Brought FEMA money into LyndenDeclared for Whatcom County only
2025

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

11 households applied for aid $106K aid approved
2021

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

48 households applied for aid $99K aid approved $111K to the City of Lynden for repairs
2020

Severe Storms, Flooding, Landslides, and Mudslides

$111K to the City of Lynden for repairs
2017

Severe Winter Storms, Flooding, Landslides, Mudslides

$82K to the City of Lynden for repairs
2009

Severe Winter Storm, Landslides, Mudslides, and Flooding

35 households applied for aid $64K aid approved $18K to the City of Lynden for repairs
2008

Severe Winter Storm and Record and Near Record Snow

$7K to the City of Lynden for repairs
2003

Severe Storms and Flooding

6 households applied for aid $263 aid approved
Whatcom County has had 23 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. Lynden covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Lynden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lynden. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Lynden total about $2.8M a year, counting buildings, people and crops.

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