Natural Disaster Risk in Fernwood

Natural Hazard Profile: Fernwood, Idaho

Fernwood, in Benewah County, is a small unincorporated community situated in the Pacific Northwest. Its semi-arid climate brings dry summers, cold winters, and significant wildfire risk, and in particular a high fire danger period from July through September. These conditions collectively define the natural hazard environment that Fernwood residents and property owners must navigate.

According to FEMA's National Risk Index, Fernwood carries an overall risk score of 4.4/10, 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, Fernwood'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 Benewah 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.

Fernwood's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that landslide exposure is adequately protected is a worthwhile step for property owners.