Key facts: Lake Stevens
Local risks
What drives damage in Lake Stevens
Winter is the wet stretch here, and damp air slows drying. Keep that in mind if a leak happens in November.
Housing
Homes and buildings here
Old cabin lots around the lake have been rebuilt as year-round homes. Frontier Village has apartments and townhomes where a leak can cross a shared wall, and Cavalero Hill has newer subdivisions.
Common damage

Where to go next
Services people ask about
Start with water damage restoration, flooded basement cleanup or burst pipe water damage. In a townhome, tell the HOA or neighbor early.
Service areas
Restoration service areas in Lake Stevens
Cities and neighborhoods: Cavalero Hill, Frontier Village, Hartford, Lakeshore.
Bottom line
Around Lake Stevens, the lake level and the downtown outlet are the local flood story
If your problem is rain-season water at a lakeside or downtown address, start by finding out how high the lake is and what the channel near Hartford Drive is doing. If it is a split line or a failed appliance, the lake has nothing to do with it, and you need the shutoff and a contractor.
November is usually the wettest month by Everett's published normals, near 5.8 inches, and December and January each run about 5. July and August are near an inch. Everett's total is about 40 inches a year, while modelled figures for Lake Stevens read closer to 71 and may overstate it, so treat those as an upper guide rather than a gauge.
The outlet
How water leaves the lake, and why it backs up
Channel size and slope, more than the weir, limit wet-season outflow, according to a 2020 study. In November 2021, the channel overtopped Hartford Drive during record rain, although 300 feet of it had just been dredged. According to Everett Herald reporting, downtown had flooded annually for years, and residents petitioned the mayor in 2020.
The Herald also reported a lake peak of about 212.5 feet in December 2015, just short of 212.8 feet in 2012, noting that the city treats 211.8 feet as high. In 2021 it reported that one resident had nearly a foot of standing water on a lawn in recent winters, and that restoring the outlet's old path and replacing an outdated culvert were priorities. Check with the city for how those projects stand today.
Neighborhood notes
Lake Stevens areas compared
Open a neighborhood for more history and local detail.
| Area | Homes | Water and agency notes |
|---|---|---|
| [Lakeshore](/areas/lake-stevens/lakeshore/) | Old cabin lots rebuilt as year-round homes | Lake level, flood map changes; summer-home tracts were platted from 1891 |
| [Frontier Village](/areas/lake-stevens/frontier-village/) | Apartments, townhomes | Shared-wall leaks; shopping center opened 1960 at SR 9 and SR 204 |
| [Hartford](/areas/lake-stevens/hartford/) | Mixed, near an industrial planning area | Rail-era depot area; Centennial Trail, about a mile northeast of downtown |
| [Cavalero Hill](/areas/lake-stevens/cavalero-hill/) | Newer subdivisions | Largely brought in by annexation; check city or county for your address |
City or county
Your address decides your permit office
The city's largest annexation, finished in December 2009, added more than 10,000 people, and a 2021 annexation wrapped city limits around the whole lake. Unincorporated land still sits inside the wider growth area, though. Inside the city, applications for building, mechanical and plumbing work go through the online permit center. Outside it, go to Snohomish County. Ask before anyone digs or rebuilds.
Housing stock grew from 10,414 units in 2010 to 12,367 in 2020, and the 2020 census put 24.3 percent of occupied homes as rented. For tenants, the landlord handles the structure and you need your own policy for belongings. Tell your landlord in writing as soon as you find a leak.
Small watersheds
Named creek and culvert problems near Lake Stevens
These named incidents help explain why water shows up in unexpected places.
- Lundeen CreekOnce a straight, flood-prone ditch beside homes, a 100-foot greenbelt replaced it in 2008.
- Stitch CreekA culvert beneath 99th Avenue SE failed in late December 2020, sending water over the road the following month.
- Snohomish RiverSet a 34.15-foot record at the town of Snohomish in December 2025. That gauge is downstream and says nothing about any single lot here, but it shows what atmospheric rivers can do in this watershed.
First steps
If water is in your Lake Stevens house
This order applies whether it came from the lake, a creek, a septic backup or a pipe.
- 1
Get people and power safe
Stay out of water near outlets, and do not walk through a flooded yard to reach a panel.
- 2
Check the septic if you have one
State health officials want the local health department told about a flooded system or drainfield, and tanks inspected once water falls. Reduce water use until then.
- 3
Follow state cleanup guidance
The Department of Health has flood and sewage cleanup instructions. Read sewage backup cleanup if needed.
- 4
Mind the wet-season air
Damp winter air slows drying, so ask the contractor about dehumidifiers and closing up the house.
- 5
Call (833) 610-0241
You will reach an independent contractor. Check their registration with the Department of Labor and Industries before you sign.
Washington coverage
Flood maps and insurance for lakeside owners
Flooding needs its own policy, the state Insurance Commissioner explains, because ordinary home coverage leaves it out. In 2021, the Herald reported that some lakeside homeowners learned from mortgage companies that FEMA's updated maps placed them inside a mapped flood hazard area, where flood insurance is required for homes with mortgages.
If your house was in that group, keep your flood policy documents with your other insurance papers, and read how your policy treats contents and lower levels. Burst pipes and sudden appliance failures usually fall under the home policy instead.
Lake Stevens questions
Questions about Lake Stevens water and flood
Is the lake to blame for my crawlspace water?
Not necessarily. Rain, groundwater and drainage can all be behind it. A contractor can look at what is wet, while the city can speak to public drainage.
Does mold need a specialist in Washington?
The Department of Health has guidance on mold and on hiring an indoor air contractor. Small areas are often manageable, while larger ones call for a professional opinion.
Should I report a blocked culvert?
Yes. Report it to the city, or to Snohomish County outside city limits.
Sources and citations
- [1]U.S. EPA: A brief guide to mold, moisture and your home
- [2]Wikipedia: Lake Stevens, Washington
- [3]HistoryLink: Lake Stevens thumbnail history
- [4]City of Lake Stevens: Building permits
- [5]City of Lake Stevens: Annexation
- [6]Washington Office of the Insurance Commissioner: Flood insurance
- [7]Washington State Department of Health: Flood cleanup
- [8]Washington L&I: Verify a contractor
- [9]Everett Herald: Rainstorms push Lake Stevens to a near-record level (2015)
- [10]Washington State Department of Health: Mold








