Natural hazards · Roche Harbor

Roche Harbor, WA natural hazards

Most of the natural-hazard damage FEMA expects in Roche Harbor comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Roche Harbor?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roche Harbor to be higher than in 55% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding51%Earthquakes38%Coastal flooding6%Everything else5%

By hazard

What Roche Harbor faces

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

Inland flooding

51% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once every 28 years in the area

Earthquakes

38% of expected damage

Well above average · higher than 86% of U.S. places

Coastal flooding

6% of expected damage

Well above average · higher than 97% of U.S. places

Lower here

TornadoesHailIce 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 Roche Harbor flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: San Juan County.

Disasters that hit Roche Harbor

Federal disasters declared here

None of the disasters declared for San Juan County shows FEMA aid or repair money reaching Roche Harbor itself in FEMA’s records.

Brought FEMA money into Roche HarborDeclared for San Juan County only

San Juan County has had 10 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. Roche Harbor covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Roche Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to Roche Harbor. 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 Roche Harbor total about $1.8M 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.