Natural hazards · Millwood

Millwood, WA natural hazards

Most of the natural-hazard damage FEMA expects in Millwood comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Millwood?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Millwood to be higher than in 4% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves22%Heat waves8%Everything else12%

By hazard

What Millwood faces

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

Inland flooding

58% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Cold waves

22% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Heat waves

8% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesWildfireDroughtAvalanchesTsunamisVolcanic 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 Millwood flood?

FEMA's records show no paid flood insurance claims in Millwood.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Spokane County.

Disasters that hit Millwood

1 federal disaster brought FEMA money here

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

Brought FEMA money into MillwoodDeclared for Spokane County only

2015

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

$8K to the City of Millwood for repairs

Spokane County has had 26 natural disasters declared since 1953, most often fires and floods.

Around Millwood

Millwood and the towns around it

Very lowLowModerateHighVery high

Millwoodmostly inland floodingVery low

Spokane Valleymostly inland floodingVery low

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. Millwood covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Millwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Millwood. 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 Millwood total about $323K 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.