Natural hazards · Shadow Lake

Shadow Lake, WA natural hazards

Most of the natural-hazard damage FEMA expects in Shadow Lake comes from earthquakes, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Shadow Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shadow Lake to be higher than in 63% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes57%Inland flooding40%Everything else3%

By hazard

What Shadow Lake faces

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

Earthquakes

57% of expected damage

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

Inland flooding

40% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once every 4 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamis

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 Shadow Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: King County.

Disasters that hit Shadow Lake

Federal disasters declared here

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

Brought FEMA money into Shadow LakeDeclared for King County only

King County has had 30 natural disasters declared since 1953, most often floods and severe storms.

Around Shadow Lake

Shadow Lake and the towns around it

Very lowLowModerateHighVery high

Covingtonmostly earthquakesHigh

Shadow Lakemostly earthquakesHigh

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. Shadow Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Shadow Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Shadow Lake. 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 Shadow Lake total about $1.7M 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.