HAZARD
Avalanche
Unstable snowpack on steep mountain slopes can collapse and rush downhill, burying homes and infrastructure.
FEMA National Risk Index & Ready.gov (reviewed) · reviewed 2026-07-10
What raises the risk
- Location in or near steep mountain terrain where snow accumulates and unstable layers can form.
- Snowpack conditions—particularly layers of weak, faceted snow or depth hoar—that collapse under weight.
- Proximity to known avalanche paths or terrain that has a history of slides.
How to prepare
- Avoid backcountry and known slide paths during high-risk snow conditions; check avalanche forecasts regularly.
- If you live in avalanche terrain, carry an avalanche beacon and know how to use it; take avalanche safety training.
- Work with local geotechnical experts to understand your property's avalanche risk and design terrain defenses if needed.
Insurance
Standard homeowners policies typically exclude avalanche damage. If your home is in avalanche terrain, discuss specialized coverage options with your insurer and a licensed insurance professional, as options are limited and region-specific.
Where avalanche risk rates highest
Covered US counties with the highest FEMA Avalanche risk score (a national percentile):
- Matanuska-Susitna County, AK100
- Kenai Peninsula County, AK100
- King County, WA99
- Salt Lake County, UT99
- Flathead County, MT99
- Pierce County, WA98
- Placer County, CA98
- Whatcom County, WA98
General information, not insurance or financial advice. Risk varies by specific property — confirm your coverage and needs with a licensed professional.
