Coeur d'Alene, Idaho: natural disaster risk
How exposed Coeur d'Alene is to floods, storms and other hazards, from FEMA and NOAA records for Kootenai County.
Coeur d'Alene is a city of 56,447 people in Kootenai County, Idaho. FEMA's National Risk Index rates Kootenai County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, cold wave and heat wave, with about $45.4 million in expected losses a year across the county. The weather service has logged 127 storm reports in the county since 1968, including 2 tornadoes and 36 floods. About 0.3% of homes in the county carry federal flood insurance.
Risk figures are for Kootenai County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Coeur d'Alene
Full Kootenai County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- Check that cooling works before summer.
- Know where the nearest cooling center is.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $32M | |
| Cold wave | $7M | |
| Heat wave | $2M | |
| Earthquake | $2M | |
| Ice storm | $634K | |
| Winter weather | $571K | |
| Strong wind | $449K | |
| Wildfire | $438K | |
| Tornado | $318K | |
| Landslide | $171K | |
| Lightning | $97K | |
| Hail | $68K |
Homes in Coeur d'Alene
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Kootenai County
More cities in Kootenai County
Common questions about Coeur d'Alene
Is Coeur d'Alene safe from natural disasters?
Coeur d'Alene is in Kootenai County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, cold wave, heat wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Coeur d'Alene?
By expected yearly losses in Kootenai County, the top hazards are inland flooding (Moderate), cold wave (Moderate), heat wave (Moderate). Kootenai County has been part of 16 federal disaster or emergency declarations for natural events.
Does Coeur d'Alene get tornadoes?
Yes. NOAA records list 2 tornadoes in Kootenai County since 1950; the strongest was an F2 tornado on May 31, 1997 near Athol. FEMA rates tornado risk in the county very low.
Do I need flood insurance in Coeur d'Alene?
Standard home insurance does not cover floods. In Kootenai County, about 0.3% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.