Natural hazards · Marrowstone

Marrowstone, WA natural hazards

Most of the natural-hazard damage FEMA expects in Marrowstone comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1997.

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

Expected damage

How exposed is Marrowstone?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Marrowstone to be higher than in 68% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes61%Inland flooding27%Everything else12%

By hazard

What Marrowstone faces

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

Earthquakes

61% of expected damage

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

Inland flooding

27% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once every 7 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningTsunamisVolcanic activity

Not a risk here

HurricanesDroughtAvalanches

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 Marrowstone flood?

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

1paid claims since 1997

$11Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Marrowstone

Federal disasters declared here

None of the disasters declared for Jefferson County shows FEMA aid or repair money reaching Marrowstone itself in FEMA’s records.

Brought FEMA money into MarrowstoneDeclared for Jefferson County only

Jefferson County has had 26 natural disasters declared since 1953, most often severe storms and floods.

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. Marrowstone covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Marrowstone’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Marrowstone. 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 Marrowstone total about $1.6M 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.