King County, WA flood risk and natural hazards
FEMA rates riverine flooding and earthquake risk as Very High in King County, WA. Modeled losses from natural hazards (expected annual loss) average about $1.7 billion a year, for a population of 2,268,178. These county figures come from the FEMA National Risk Index, December 2025 release. Observation windows vary by metric and sit beside the tables below.
- Modeled expected annual loss
- $1.68 billion / year
- US loss rank
- #10 of 3,232
- State loss rank
- #1 of 39
- Loss per resident
- $741 · state $609 · US $459
- FEMA overall risk rating
- Very High
Washington county modeled loss
- Positive estimates to $10.5 million
- Above $10.5 million to $26.9 million
- Above $26.9 million to $70.9 million
- Above $70.9 million to $119.8 million
- Above $119.8 million to $1.68 billion
- No FEMA estimate
King County, WA ranks #1 of 39 in the state for modeled expected annual loss; the outline locates it.
View chart data
Is King County at risk of flooding?
FEMA labels riverine flooding Very High and coastal flooding Relatively Moderate. Modeled annual riverine flood loss is $416,875,117; coastal flood loss is $1,495,665. These are separate hazards and county totals. A rating describes relative county risk. It does not locate water at a building or establish a flood zone. Read missing statuses using the source documentation. Keep both source labels when comparing counties. Read the county rating versus flood-zone guide before requesting a location check.
Look up an address and its flood zone through FEMA’s Flood Map Service Center.
The local hazard planning document is King County Regional Hazard Mitigation Plan. Local governments use this plan to set out hazards and proposed projects.
What natural hazards affect King County most?
Show tabular data
| County | Modeled expected annual loss (USD/year) | Overall risk rating |
|---|---|---|
| King County, WA | 1,680,266,354.88 | Very High |
Show tabular data
| Hazard | Source label | Observation window |
|---|---|---|
| Coastal flooding | Relatively Moderate | 1996-2023 |
| Riverine flooding | Very High | 1996-2023 |
| Hurricane | Not Applicable | 1851-2024 |
| Wildfire | Relatively Low | 1996-2023 |
| Earthquake | Very High | 1996-2023 |
| Tornado | Relatively Moderate | 1950-2023 |
| Heat wave | Relatively High | 2005-2024 |
How have heat and rain changed in King County?
Hot days
Hot days increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 0.10 |
| 2016–2025 | 0.30 |
Warm nights
Warm nights round to 0.0 in both decades; hollow marks confirm the zero state.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 0.00 |
| 2016–2025 | 0.00 |
Heavy-precipitation days
Heavy-precipitation days increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 0.10 |
| 2016–2025 | 0.30 |
Humid-heat days
Humid-heat days increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 0.00 |
| 2016–2025 | 0.10 |
| Measure | 1991–2000 | 2016–2025 | Change |
|---|---|---|---|
| Hot days · ≥35°C (95°F) | 0.1 | 0.3 | +0.2 |
| Humid-heat days · heat index ≥103°F (39.4°C) | 0.0 | 0.1 | +0.1 |
| Warm nights · ≥24°C (75.2°F) | 0.0 | 0.0 | 0.0 |
| Heavy-rain days · ≥50 mm (≈2 in) | 0.1 | 0.3 | +0.2 |
| Annual maximum daily precipitation · mm | 38.3 | 42.1 | +3.7 |
Counts are days per year; a grid-cell zero does not mean the county had no such events. Thresholds, time bases and limits: county climate method.
Methodology & sensor cross-check notes
Hot-day cross-check: NOAA’s county-average daily maximum temperature gives 0.0 → 0.3 hot days a year (+0.3); NASA gives 0.1 → 0.3 (+0.2). Both series show an increase, with different counts and change sizes. The footprints differ, so agreement does not validate either count. Warm nights and precipitation were not cross-checked. Humid-heat row: Copernicus (ECMWF) reanalysis. It uses a different regional grid from the NASA measures.
No statistical significance, cause or future trend is established; this does not change the FEMA ratings above.
Climate data: NASA · Population context: US Census Bureau · Hot-day cross-check: NOAA county climate records · Humid heat: Copernicus (ECMWF). Method, sources and limitations · Climate JSON · Data credits.
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direction"}}How does El Niño affect King County winters?
Strong El Niño winter precipitation
4 of 9 strong El Niño winters were wetter than normal. The vertical line marks 100% of normal precipitation.
View chart data
| Winter | Precipitation (% of normal) |
|---|---|
| 1957–58 | 116.652 |
| 1965–66 | 91.875 |
| 1972–73 | 94.202 |
| 1982–83 | 114.783 |
| 1991–92 | 90.840 |
| 1997–98 | 90.907 |
| 2009–10 | 65.133 |
| 2015–16 | 137.172 |
| 2023–24 | 109.075 |
NOAA and IRI both give 100% odds that El Niño conditions (tropical Pacific ONI of at least 0.5°C, not a local weather forecast) are present this winter. In King County, 4 of 9 past strong El Niño winters were wetter than normal; the median winter had 94% of normal precipitation (rain and melted snow). The driest, 2009–10, had 65%.
| Winter | ONI | Precipitation | Temp. | Heavy days | Claims |
|---|---|---|---|---|---|
| 1957–58 | 1.7 | 117% | +4.3°F | 7 | — |
| 1965–66 | 1.6 | 92% | 0.0°F | 5 | — |
| 1972–73 | 1.8 | 94% | −1.3°F | 9 | — |
| 1982–83 | 2.1 | 115% | +2.3°F | 7 | 17 (#15) |
| 1991–92 | 1.5 | 91% | +3.4°F | 5 | 2 (#39) |
| 1997–98 | 2.4 | 91% | +1.4°F | 4 | 11 (#20) |
| 2009–10 | 1.5 | 65% | +1.4°F | 1 | 5 (#31) |
| 2015–16 | 2.6 | 137% | +2.0°F | 9 | 47 (#8) |
| 2023–24 | 2.0 | 109% | +1.5°F | 7 | 9 (#25) |
Winter normals and temperature baseline
King County normals, 1990–91 to 2019–20 winters: 28.3 inches of precipitation (rain and melted snow) and 6.2 heavy days. Temperature is set against the county’s own winter trend of +0.2°F per decade since 1951–52.
Flood claims: December–February, from 1978 (— = before the data). The rank compares each winter with all 47 winters from 1978–79 to 2024–25 (#1 is the most claims; no rank is shown for 0 claims). The median winter had 10 claims; 3 of 6 strong winters in the data were above it. Insured exposure grew over time, so counts are not comparable across decades.
Past tendency is not a forecast and not a property-level finding. Before winter: four checks for property teams.
Sources: NOAA county climate records and Pacific climate assessments; FEMA National Flood Insurance Program claims. Method and limits · El Niño 2026–27.
What are the modeled losses by hazard?
From 1991–2000 to 2016–2025, hot days near King County changed from 0.1 to 0.3 per year. Heavy-rain days changed from 0.1 to 0.3. The table retains humid heat, warm nights and maximum daily rain. Compare the periods alongside the source notes. These decade means describe past conditions; they do not predict a future year or establish a trend.
King County’s modeled loss across all hazards is $1,680,266,355 per year. The FEMA National Risk Index ranks the hazards below by modeled loss, not rating category.
Show tabular data
| Hazard | Total loss ($/yr) | Of which buildings ($/yr) | Observation window |
|---|---|---|---|
| All hazards (composite) | $1,680,266,355 | $1,163,263,686 | 1996-2023 |
| Earthquake | $1,214,712,330 | $740,198,161 | 1996-2023 |
| Riverine flooding | $416,875,117 | $416,682,218 | 1996-2023 |
| Heat wave | $18,918,036 | Not published | 2005-2024 |
| Tornado | $3,535,635 | $1,046,607 | 1950-2023 |
| Coastal flooding | $1,495,665 | $1,366,142 | 1996-2023 |
| Wildfire | $487,057 | $473,450 | 1996-2023 |
| Hurricane | Not available | Not available | 1851-2024 |
These modeled county totals do not estimate property losses, insurance inputs or forecasts. Do not multiply them by location counts.
Reuse this chart

What is exposed in King County?
Population and asset values show the scale behind county losses. These county totals are exposure measures, not loss figures.
Show tabular data
| Measure | Value | Observation window |
|---|---|---|
| Resident population | 2,268,178 | 2020-2020 |
| Building replacement value | $527,738,326,671 | 2020-2020 |
| Agricultural market value | $174,417,860 | 2022-2022 |
What do vulnerability and resilience show?
These relative rankings describe susceptibility to hazard impacts and capacity to recover. They measure no individual asset or outcome.
Show tabular data
| Measure | Score | Observation window |
|---|---|---|
| Social vulnerability index | 14.8 | 2020-2020 |
| Community resilience index | 87.4 | 2020-2020 |
King County in the state and national rankings
At about $1.68 billion, modeled expected annual loss in King County ranks #10 of 3,232 across the US. Its share of Washington modeled loss is 35.8%, with a state rank of #1 of 39. About $1.68 billion is the modeled yearly average over the long run, rather than a one-year prediction. Alameda County, CA ranks immediately above it, with about $1.88 billion in modeled annual loss. The next lower national total is about $1.54 billion, in San Diego County, CA. Within the state list, Pierce County, WA has the next lower estimate: about $531.9 million. Its 11.3% state loss share accompanies an estimate about $1.15 billion away from this county’s total.
County hazard loss mix
Earthquake leads the modeled expected annual loss mix; bar lengths share a zero baseline.
View chart data
| Hazard | USD / year | Share |
|---|---|---|
| Earthquake | 1,214,712,330.01 | 72.3% |
| Riverine Flood | 416,875,117.40 | 24.8% |
| Heat Wave | 18,918,035.67 | 1.1% |
| Avalanche | 11,079,035.60 | 0.7% |
| Tsunami | 6,266,609.39 | 0.4% |
| Tornado | 3,535,635.21 | 0.2% |
| Other | 8,879,591.60 | 0.5% |
National hazard loss ranks
Earthquake ranks #3 of 3,232 by modeled expected annual loss. Higher percentiles mean larger modeled losses.
View chart data
| Hazard | Rank | Percentile |
|---|---|---|
| Earthquake | #3 of 3,232 US · #1 of 39 in WA | 99.94 |
| Riverine Flood | #11 of 3,232 US · #1 of 39 in WA | 99.69 |
| Heat Wave | #46 of 3,202 US · #1 of 39 in WA | 98.59 |
| Avalanche | #6 of 684 US · #1 of 37 in WA | 99.27 |
| Tsunami | #36 of 119 US · #4 of 15 in WA | 70.59 |
| Tornado | #650 of 3,225 US · #1 of 39 in WA | 79.88 |
Modeled loss per resident
King has about $741 in modeled expected annual loss per resident. State and US values divide total loss by total population.
View chart data
| Place | USD / resident / year |
|---|---|
| King | 740.80 |
| Washington | 609.02 |
| US | 459.35 |
King County hazard estimates
Earthquake
With about $1.21 billion in modeled expected annual loss from earthquakes, the county ranks #3 of 3,232 in the national comparison. At 72.3% of the county’s modeled loss, the hazard places #1 of 39 statewide; FEMA assigns a Very High rating; the Very High label covers 1 state county and 8 nationally for earthquakes.
Riverine Flood
The national loss rank for riverine flooding is #11 of 3,232, based on about $416.9 million in modeled expected annual loss. In Washington, this estimate ranks #1 of 39 and represents 24.8% of the county’s modeled loss; FEMA assigns a Very High rating, matching 26 US counties, including 1 in Washington, for this hazard.
Heat Wave
The national loss rank for heat waves is #46 of 3,202, based on about $18.9 million in modeled expected annual loss. This hazard makes up 1.1% of the total; FEMA assigns a Relatively High rating, and its loss ranks #1 of 39 in Washington; for heat waves, 3 state counties and 98 US counties share that label.
Avalanche
With about $11.1 million in modeled expected annual loss from avalanches, the county ranks #6 of 684 in the national comparison. Its 0.7% share of total loss comes with a state loss rank of #1 of 37; FEMA assigns a Very High rating; for avalanches, 6 state counties and 37 US counties share that label.
Tsunami
The national loss rank for tsunamis is #36 of 119, based on about $6.3 million in modeled expected annual loss. At 0.4% of the county’s modeled loss, the hazard places #4 of 15 statewide; FEMA assigns a Relatively Low rating, matching 14 US counties, including 4 in Washington, for this hazard.
Tornado
With about $3.5 million in modeled expected annual loss from tornadoes, the county ranks #650 of 3,225 in the national comparison. This hazard makes up 0.2% of the total; FEMA assigns a Relatively Moderate rating, and its loss ranks #1 of 39 in Washington; the same rating for tornadoes covers 1 Washington county and 796 across the US.
The loss estimate for earthquakes exceeds riverine flooding by about $797.8 million, equivalent to 47.5 percentage points of total loss. For riverine flooding, modeled loss is about $398.0 million above heat waves, leaving 23.7 percentage points between their county shares. For heat waves, modeled loss is about $7.8 million above avalanches, leaving 0.5 percentage points between their county shares. The loss estimate for avalanches exceeds tsunamis by about $4.8 million, equivalent to 0.3 percentage points of total loss. About $2.7 million separates tsunamis from tornadoes in the local estimates, equivalent to 0.2 percentage points of county loss.
Population and recorded values
King County covers about 2,331 square miles, with 2,268,178 residents in FEMA data. About $527.74 billion is the building value amount in FEMA’s record. For agricultural value, the source records about $174.4 million. Per resident, the modeled annual amount is about $741; the Washington average is about $609. Its 29.5% share of state residents sits alongside 35.8% of of annual loss. The county contains 32.1% of the building value recorded across Washington. Its population density ranks 1 within 39 Washington counties that have both area and population estimates. Those recorded totals give about 973 residents per square mile, versus about 107 across Washington. The median county population in Washington is about 65,689, compared with 2,268,178 locally. The county’s national shares are 0.7% for population and 1.1% for modeled loss. The county’s about $741 per resident compares with about $459 nationally in modeled annual loss. The six hazards described above together make up 99.5% of modeled loss, about $1.67 billion annually. The balance outside those six estimates is about $8.9 million, or 0.5% of total loss. The county’s number 7 hazard by dollar loss is volcanic activity: about $1.9 million, with a state rank of #4 of 31. This 0.1% slice of county loss ranks #7 of 360 across US counties. The estimate for landslides ranks #4 of 39 in Washington: about $1.7 million annually, in local position 8. With 0.1% of county loss, this hazard has national placement #75 of 3,222.
FEMA labels and risk score
King County has a FEMA risk index score of about 99.7, ranking #11 of 3,144 nationally. The risk index rating is Very High, a label shared by 1 of 39 Washington counties. Among 39 Washington counties, 1 receives the same Very High label for expected annual loss. FEMA labels social vulnerability as Very Low, matching 8 county records across Washington. The community resilience rating is Very High, a label shared by 3 of 39 Washington counties. Its risk score ranks #1 of 39 within Washington, while its loss total ranks #1 of 39. The Very Low vulnerability and Very High resilience pairing appears in 1 Washington counties. Of the modeled loss among these 1 counties, 100.0% belongs here; the group holds 35.8% statewide. The adjacent state score below this county belongs to Pierce County, WA: about 98.5, ranked #2 of 39. That comparison county holds a Relatively High risk index rating and 11.3% of Washington modeled annual loss. The Very Low category for social vulnerability includes 625 US counties and 23.7% of recorded US residents. The Very High category for community resilience includes 629 US counties and 27.2% of recorded US residents. Across the county’s hazard ratings, 3 carry Very High: avalanches, earthquakes, riverine flooding. Across the county’s hazard ratings, 5 carry Relatively High: heat waves, ice storms, landslides, volcanic activity, winter weather. FEMA assigns Relatively Moderate to 3 hazards here, covering coastal flooding, lightning, tornadoes. The county’s Relatively Low group contains 3 hazards: cold waves, tsunamis, wildfires. The local Very Low hazard group contains 3 entries: drought, hail, strong wind.
What else should I know about King County?
What does FEMA estimate for winter weather in King County?
For winter weather, FEMA lists King County at Relatively High, with about $815,000 in modeled expected annual loss.
What does FEMA estimate for heat waves in King County?
King County has about $18.9 million in modeled expected annual loss from heat waves, with a Relatively High rating.
Which hazard has the largest modeled loss in King County?
Earthquakes leads King County, at about $1.21 billion in modeled expected annual loss.
What does FEMA estimate for tornadoes in King County?
For tornadoes, FEMA lists King County at Relatively Moderate, with about $3.5 million in modeled expected annual loss.
Which mitigation plan is listed for King County?
The plan listed for King County is King County Regional Hazard Mitigation Plan.
What does FEMA estimate for wildfires in King County?
King County has about $487,000 in modeled expected annual loss from wildfires, with a Relatively Low rating.
What annual loss does FEMA model for King County?
King County has about $1.68 billion in modeled expected annual loss, a long-run average rather than a yearly forecast.
Where next for King County?
See how the county compares across the state in Washington natural hazard risk by county, download the FEMA county hazard data, or review the county climate risk data API and bulk files. Check the sources and what each measure can show on the methodology page.