Oregon Flood Zone Map
Last updated: August 2026
Oregon faces riverine flooding from the Willamette, Columbia, and Rogue rivers, coastal flooding from Pacific storms, and urban flooding in the Portland metropolitan area. Atmospheric rivers can bring days of heavy rainfall that saturate mountain watersheds and trigger widespread flooding.
5 of 36 Oregon counties are rated high or very high for inland flood risk by FEMA's National Risk Index. 23 communities participate in FEMA's Community Rating System, qualifying residents for flood insurance discounts of up to 35%.
Oregon has recorded 6,095 NFIP flood insurance claims since 1978, totaling $106.4M in payouts. See how Oregon compares in our nationwide NFIP claims data breakdown.
FEMA Region
Region 10
Also covers Alaska, Idaho, Washington
NFIP Policies
25,862
Policies effective in the trailing 13 months (July 1, 2025 - August 16, 2026), not a certified point-in-time count
OR Avg. Premium
$953/yr
National average: $915/yr
NFIP Flood Insurance Claims
Oregon properties have filed 6,095 NFIP flood insurance claims totaling $106.4M in payouts since 1978. The average claim payout in 2025 was $41,219.
Recent Years
Claims by Decade
Highest-Claim Years
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage in Oregon
Only roughly 1 in 65 households in Oregon carries NFIP flood insurance (2% of estimated households). 33 of 36 counties have elevated flood risk but low insurance coverage. With 650 recorded flood events and $248.0M in damage, many flood losses in this state are likely uninsured.
Penetration Rate
2%
roughly 1 in 65 households
Historical Claims Ratio
1 in 4
6,095 claims over 45+ years across 25,862 current policies
Avg. Claim Payout
$17,449
Per claim, state-wide since 1978
Historically, Oregon has averaged 1 claim for every 4 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI.
Repetitive Loss Properties in Oregon
Oregon has 435 properties with multiple flood insurance losses, including 51 severe repetitive loss properties. 22 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
435
2+ claims within 10 years
Severe Repetitive Loss
51
4+ claims or 2 exceeding value
Mitigated
22
Received FEMA mitigation
By Flood Zone
Zone data available for 431 of 435 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Flood Insurance Discounts in Oregon
23 Oregon communities participate in FEMA's Community Rating System (CRS), earning flood insurance premium discounts for residents in Special Flood Hazard Areas. CRS classes in Oregon range from 3 to 9, with discounts from 5% to 35%.
Class 3 - 35% discount
Class 5 - 25% discount
Class 5 - 25% discount
Class 5 - 25% discount
Class 5 - 25% discount
Class 6 - 20% discount
Class 6 - 20% discount
Class 6 - 20% discount
Lane County
Class 6 - 20% discount
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only. CRS classes and discounts are subject to change.
Federal Flood Disaster History
Oregon has received 17 federal disaster declarations for flooding, hurricanes, severe storms, and coastal storms.
Declarations by Decade
Recent Declarations
Showing 8 most recent of 17 total declarations.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events in Oregon
NOAA has recorded 650 flood events in Oregon since 1996, causing an estimated $248.0M in property and crop damage and 9 deaths.
Total Events
650
Total Damage
$248.0M
Fatalities
9
Events by Decade
Costliest Events
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation in Oregon
FEMA has funded mitigation for 1,200 properties in Oregon, investing $96.8M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
Properties by Action
Mitigation by Decade
Source: OpenFEMA Hazard Mitigation Assistance Mitigated Properties. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
Levee Protection in Oregon
The USACE National Levee Database lists 9 levee systems protecting parts of 3 Oregon cities. A system's FEMA accreditation status determines how its protected area is mapped - accredited levees are typically mapped as Zone X, while non-accredited or provisionally accredited (PAL) systems generally leave their protected area in the SFHA.
By Accreditation Status
Largest Protected Areas
Multnomah County Drainage District No. 1 - West
AccreditedProtects: Portland - Flood source: Columbia - 9.11 sq mi
Multnomah County Drainage District No. 1 - East
AccreditedProtects: Portland - Flood source: Columbia - 3.06 sq mi
Amazon Creek - RB: North Setback to Fern Ridge
Non-AccreditedProtects: Eugene - Flood source: Amazon Creek - 2.81 sq mi
Peninsula Drainage District 2
AccreditedProtects: Portland - Flood source: Columbia - 2.43 sq mi
Sandy Drainage District
AccreditedProtects: Troutdale - Flood source: Columbia River and Sandy River, Sandy River - 2.3 sq mi
Peninsula Drainage District 1
AccreditedProtects: Portland - Flood source: Columbia River - 1.44 sq mi
...and 3 more systems tracked in the database.
Source: USACE National Levee Database. Data sourced August 2026. Learn how levees affect flood zone mapping.
Oregon Flood Risk Overview
County-level risk ratings from FEMA's National Risk Index across 36 Oregon counties.
Inland Flood Risk
5 of 36 counties rated high or very high
Coastal Flood Risk
2 of 10 coastal counties rated high or very high
Source: FEMA National Risk Index, county-level assessment.
Oregon Cities
Explore flood zone information for major cities in Oregon.
Oregon Flood Zone FAQ
How do I check if my Oregon property is in a flood zone?
Enter your OR address in FludZone's free lookup tool. We query FEMA's National Flood Hazard Layer in real-time to show your flood zone designation, whether flood insurance is required, and your property's risk level.
Do I need flood insurance in Oregon?
If your Oregon property is in a Special Flood Hazard Area (SFHA), meaning zones starting with A or V, and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not subject to the federal mandate but lenders may still require coverage, and it is often recommended given Oregon's flood history.
What are the most common flood zones in Oregon?
The most common FEMA flood zone designations in Oregon are Zone AE, Zone A, Zone VE, Zone X. Each zone reflects a different level of flood risk, from high-risk areas where flood insurance is generally required for federally regulated or government-backed mortgages to lower-risk areas where coverage is optional but recommended.
Can I remove my Oregon property from a flood zone?
Yes, if your Oregon property's natural ground elevation was always above the Base Flood Elevation and FEMA inadvertently mapped it in the SFHA, you can apply for a Letter of Map Amendment (LOMA) through FEMA. If your property was raised above the BFE with fill, the process is a LOMR-F. Note that for coastal properties in VE zones, LOMAs are less common because wave action creates risks beyond still-water elevation. A successful LOMA generally removes the federal mandatory flood insurance requirement, but your lender may still choose to require coverage. You'll need an elevation certificate from a licensed surveyor.
Do any Oregon communities offer flood insurance discounts?
Yes, 23 Oregon communities participate in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for exceeding minimum flood mitigation standards. Residents in participating communities can receive NFIP premium discounts of up to 35% in the Special Flood Hazard Area. Properties outside the SFHA also benefit: CRS classes 1 through 6 receive a 10% discount, and classes 7 through 9 receive a 5% discount on NFIP premiums. Check your city's page on FludZone to see if your community participates.
How much does flood insurance cost in Oregon?
The average NFIP flood insurance premium in Oregon is $953 per year across 25,862 active policies. Premiums vary by zone: Zone AE policies average $1,177/yr. Under FEMA's Risk Rating 2.0, your specific premium depends on property type, elevation relative to the Base Flood Elevation, and distance to water, not just your flood zone designation.
Which Oregon counties have the highest flood risk?
According to FEMA's National Risk Index, Lane, Multnomah, Washington are among Oregon's highest-risk counties for inland flooding. Overall, 5 of 36 Oregon counties are rated "High" or "Very High" for inland flood risk. County-level ratings account for historical flood losses, social vulnerability, and community resilience.
How many NFIP flood insurance claims has Oregon had?
Oregon has recorded 6,095 NFIP flood insurance claims totaling $106.4M in payouts since 1978. The highest-claim year was 1996, with 1,789 claims and $35.2M in payouts. This history reflects cumulative flood damage to Oregon properties across decades of storm and rainfall events.
How many Oregon properties have flooded repeatedly?
Oregon has 435 properties with multiple flood losses. Of these, 51 are classified as Severe Repetitive Loss, meaning they have experienced four or more NFIP claims of $5,000 or more, or two or more claims where the total exceeds the building value. 22 of these properties have been mitigated.
What percentage of Oregon homes have flood insurance?
Only roughly 1 in 65 households in Oregon carries NFIP flood insurance (2% of estimated households). 33 counties in Oregon have elevated flood risk but low insurance coverage, indicating a significant protection gap.
Are there levees protecting Oregon cities?
Yes. The USACE National Levee Database lists 9 levee systems protecting parts of 3 Oregon cities. 5 are FEMA-accredited (generally mapped as Zone X), 4 are non-accredited (the protected area stays in the SFHA), and 0 are provisionally accredited (PAL, accreditation in progress). Levee protection is system-specific, not citywide - check a specific city's page or use the address search above for the zone at a specific property.
Understanding Flood Zones
Learn more about the FEMA flood zone designations common in Oregon.
See the Flood Map for Any Oregon Address
Enter a OR address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.