🌍 ClimateRiskCheck

Natural Disaster Risk in Clearwater County

Idaho

4.2out of 10
Moderate Risk

Risk Summary for Clearwater County

Clearwater County scores 4.2/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Avalanche Wildfire

All 18 Hazard Scores

Landslide
9.8
Wildfire
9.7
Avalanche
9.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Winter Weather
4.2
Extreme Heat
3.7
Earthquake
3.3
Hurricane
2.4
Drought
2.4
Ice Storm
2.3
Cold Wave
2.1
Hail
1.9
Strong Wind
1.6
Lightning
1.6
Tornado
1.5
Riverine Flooding
1.0

How it compares

Clearwater County
4.2
Idaho avg.
5.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Clearwater County, Idaho

Clearwater County, in the United States in Idaho, is characterized by its semi-arid climate β€” dry summers, cold winters, and significant wildfire risk. The county faces a high fire danger period from July through September, and its FEMA risk assessment establishes the hazard baseline shared by all the towns and cities it contains.

According to FEMA's National Risk Index, Clearwater County carries an overall risk score of 4.2/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to avalanche and wildfire.

Within Idaho, Clearwater County's risk is, slightly below the 5.1/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Clearwater County identifies landslide as the foremost hazard, followed by avalanche and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Clearwater County residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for landslide is recommended.

What this means for Clearwater County: Landslide preparedness

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Cities in Clearwater County

ZIP codes in Clearwater County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.