Short answer: Spokane County's FEMA National Risk Index report ranks hazards for Spokane tracts. The Washington FAIR Plan is the residual property market for eligible homes.
This guide is general information for homeowners and drivers in the Spokane area (Spokane County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for Spokane County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for Spokane County
Open FEMA's National Risk Index and the Spokane County report.
Federal disaster declarations in Spokane County
FEMA's disaster declarations data shows 13 major disaster declarations that included Spokane County since 1964, led by flood events (5), severe storm events (4) and fire events (2). The most recent: Wildfires, 2024, Severe Winter Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides, 2021, Severe Winter Storms, Flooding, Landslides, Mudslides, 2017 and Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides, 2016. FEMA also lists 5 emergency declarations for the county in the same data.
The November 2015 windstorm
The City of Spokane reported that the severe windstorm on Tuesday, November 17, 2015 knocked out power to hundreds of thousands of people and brought down hundreds of trees across the area. The city said afterward that a fence rebuilt at the same height on the same posts doesn't need a permit, but roof repairs and electrical reconnects go through its permitting hotline. Wind damage is usually covered. Check your wind or hail deductible and whether your policy pays to remove a fallen tree.
After the Spokane Complex Fire
The city's wildfire information page collects resources for people affected by the Spokane Complex Fire, covering returning home, cleanup and rebuilding. It also points to Spokane County's demolition and rebuilding FAQs. If your home backs onto open land, review your dwelling limit, your extended replacement cost and your additional living expenses coverage before the next fire season.
What the 2015 windstorm left behind
The National Weather Service in Spokane calls the November 17, 2015 windstorm historic for eastern Washington and north Idaho, with a 71 mph gust measured at Geiger. About 238,000 customers lost power, and 83% of customers in the hardest-hit part of Spokane were without it for five days. Spokane Public Schools canceled classes for five days. About 28 trees were downed or badly damaged in Riverfront Park and 30 were lost at Comstock Park. Check whether your policy covers food spoilage and tree removal.
Residual market: Washington FAIR Plan
The Washington FAIR Plan offers basic property coverage for eligible properties that cannot get coverage in the standard market; see its customer information and FAQ.
Auto: Washington 25/50/10
Washington DOL requires at least $25,000 per person, $50,000 per accident and $10,000 property damage.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Washington.
Frequently asked questions
What auto liability does Washington require?
25/50/10.
Does a Spokane homeowners policy cover flood?
No; flood needs a separate policy.
Does my Spokane landlord's policy cover my belongings?
No; renters insurance covers them.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.