Natural hazards · Torboy

Torboy, WA natural hazards

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

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

Expected damage

How exposed is Torboy?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Torboy to be higher than in 90% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire53%Inland flooding38%Cold waves5%Everything else4%

By hazard

What Torboy faces

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

Wildfire

53% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

38% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Cold waves

5% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDroughtAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesTsunamis

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 Torboy flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ferry County.

Disasters that hit Torboy

Federal disasters declared here

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

Brought FEMA money into TorboyDeclared for Ferry County only

Ferry County has had 21 natural disasters declared since 1953, most often fires 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. Torboy is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Torboy’s own flood-insurance community; household aid to the registrant’s city; repair grants to Torboy. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.