6,085 flood insurance claims·$105.1M paid·22,430 policies in force
Shaded areas are FEMA’s mapped flood hazard zones in and around Oregon. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Oregon flood risk is characterized by a mixed event profile dominated by riverine floods and flash floods, alongside coastal flood and storm surge occurrences. Over the last 30 years, NOAA recorded 685 flood events resulting in 8 deaths, 111 flash flood events resulting in 1 death, 3 coastal flood events, and 1 storm surge or tide event. Recent federal disaster declarations underscore this severe weather exposure, including multiple declarations for severe storms, flooding, landslides, and mudslides in March 2025, as well as severe winter storms, straight-line winds, landslides, and mudslides in January 2024.
Federal flood insurance claims data highlights distinct risk exposure across FEMA zone categories. Zone A accounts for the vast majority of claims with 4,029 filings totaling $75 million paid, averaging $23,991 per claim, indicating that properties in standard high-risk riverine or flood-prone areas bear the heaviest financial burden. Meanwhile, Zone V recorded 77 claims totaling $1 million paid, with the highest average claim cost at $38,829.
Properties outside high-risk zones also experience significant impacts. Zone X categories recorded a combined 1,624 claims—spanning unshaded, shaded, and general X classifications—totaling $24 million paid, with average claims ranging from $19,265 to $30,258. This distribution implies that while residents in Zone A and Zone V face the most frequent and costly high-risk hazards, property owners in Zone X areas experience frequent surprise claims, demonstrating that flood risk extends well beyond traditional mapped high-risk zones.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.
Oregon has received 637 federal disaster declarations, including 163 flood and coastal storm declarations.
NFIP claims by county, 1978 to date. Source: OpenFEMA. Counties ranked by recorded flood events →
Properties in Oregon FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance through the National Flood Insurance Program (NFIP).
Oregon had 22,430 NFIP policies in force on August 31, 2026, and the average NFIP premium was $991 a year (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top, and nationally they make actual bills about a quarter higher). Under FEMA’s Risk Rating 2.0 each building is priced on its own flood risk, so a state average says little about what any one home will pay.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Oregon residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
See the most flood-prone counties in Oregon →
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