Risk Index · Spokane County · 2026-06-13
Spokane, WA real-estate risk
- Risk score
- 90/100
- Relatively Moderate
- Expected annual loss
- $99M
- all hazards, county-wide
- Buildings-only loss
- $63M
- what owners and insurers carry
- Population
- 539K
- Spokane County
Spokane, WA (Spokane County) carries a FEMA National Risk Index score of 90/100, rated "Relatively Moderate" and driven mainly by wildfire and heat wave, with roughly $99M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Wildfire96.6
- Heat wave94.9
- Riverine flood91.6
- Strong wind91.2
- Earthquake85.9
- Hail63.4
- Tornado42.7
- Drought16.6
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Riverine flood is the line to verify: an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
Spokane risk questions
Is Spokane, WA a high-risk area for real estate?
Spokane scores 90/100 on FEMA's National Risk Index, rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $99M per year.
What is the biggest natural hazard in Spokane?
The highest-rated hazard is wildfire (96.6/100), followed by heat wave (94.9/100).
How does hazard risk affect property insurance in Spokane?
Riverine flood is the line to verify: an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.