Bear Lake County, Idaho: hazard risk
FEMA rates Bear Lake County's overall risk Very Low (score 6.6 of 100, higher than 6% of rated U.S. counties). Its storm record holds 328 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Avalanche | Relatively Moderate | 84.9 | $1.4M |
| Landslide | Relatively Low | 81.9 | $29K |
| Wildfire | Relatively Low | 78.4 | $479K |
| Earthquake | Relatively Low | 68.9 | $1.0M |
| Winter Weather | Relatively Low | 55.0 | $106K |
| Lightning | Relatively Low | 26.8 | $133K |
| Volcanic Activity | Very Low | 24.4 | $1 |
| Cold Wave | Very Low | 18.5 | $274K |
| Drought | Very Low | 15.4 | $1K |
| Strong Wind | Very Low | 10.1 | $101K |
| Riverine Flooding | Very Low | 7.2 | $1.4M |
| Heat Wave | Very Low | 5.5 | $9K |
| Hail | Very Low | 3.8 | $11K |
| Ice Storm | Very Low | 3.8 | $2K |
| Tornado | Very Low | 2.0 | $5K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Winter storms | 211 | 1 | $278K | 12th of 44 | 910th of 3,077 |
| Severe thunderstorm wind | 60 | 4 | $208K | 14th of 44 | 2635th of 3,080 |
| High wind and dust storms | 19 | 2 | $17K | 32nd of 44 | 2038th of 3,080 |
| Hail | 12 | 0 | $2K | 30th of 44 | 2861st of 3,080 |
| Floods | 9 | 0 | $1.2M | 24th of 44 | 2758th of 3,080 |
| Landslides and avalanches | 8 | 1 | $19K | 11th of 44 | 114th of 2,278 |
| Extreme cold | 5 | 0 | – | 22nd of 44 | 2392nd of 3,076 |
| Tornadoes | 2 | 0 | $54K | 30th of 44 | 2817th of 3,080 |
| Wildfires | 2 | 0 | $643K | 33rd of 44 | 877th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Bear Lake County record: every hazard by year and month, the deadliest events and FEMA's declarations.