Grants Pass, OR Flood Zone Lookup
Last updated: March 2026
Grants Pass faces flooding from the Rogue River in Josephine County. Heavy winter rainfall and rapid snowmelt from the surrounding mountains cause the Rogue River to overflow and flood low-lying areas.
Josephine County has recorded 81 NFIP flood insurance claims since 1978, totaling $688K in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 10
NFIP Policies
509
Josephine County
Avg. Premium
$1,259/yr
Josephine County
FEMA Flood Risk Profile: Josephine County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $32.0M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Josephine County
Josephine County has been included in 4 federal flood-related disaster declarations.
These declarations affected communities across Josephine County, including Grants Pass.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Josephine County
Properties in Josephine County have filed 81 NFIP flood insurance claims totaling $688K in payouts since 1978. The average claim payout is $8K.
Highest-Claim Years
1997
30 claims - $335K
2005
9 claims - $50K
2015
6 claims - $65K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Josephine County
Only roughly 1 in 68 households in Josephine County carries NFIP flood insurance (1% of estimated households). With 13 recorded flood events and $4M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
1%
roughly 1 in 68 households
Historical Claims Ratio
1 in 6
81 claims over 45+ years across 509 current policies
Avg. Claim Payout
$8,494
Per claim, county-wide since 1978
Historically, Josephine County has averaged 1 claim for every 6 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 March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Grants Pass.
What Your Flood Zone Means in Grants Pass
Grants Pass faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Grants Pass are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $32.0M.
Riverine flood risk in Grants Pass is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Grants Pass address.
Repetitive Loss Properties: Josephine County
Josephine County has 5 properties with multiple flood insurance losses, including 0 severe repetitive loss properties. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
5
2+ claims within 10 years
Severe Repetitive Loss
0
4+ claims or 2 exceeding value
Mitigated
0
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Josephine County
NOAA has recorded 13 flood events in Josephine County since 1996, causing $4M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Insurance Discount: Grants Pass
Grants Pass participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Grants Pass's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Grants Pass, OR Flood Zone FAQ
What flood zones are in Grants Pass, OR?
The most common FEMA flood zones in Grants Pass are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Grants Pass?
If your Grants Pass property is in a Special Flood Hazard Area (SFHA) 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 federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Grants Pass?
Enter your Grants Pass address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Grants Pass offer flood insurance discounts?
Yes. Grants Pass participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Grants Pass experienced major flooding events?
Josephine County, where Grants Pass is located, has been part of 4 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Katrina Evacuation in 2005. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Grants Pass?
Josephine County has recorded 81 NFIP flood insurance claims totaling $688K in payouts since 1978. The year with the most claims was 1997, with 30 claims and $335K in payouts. These figures cover all NFIP claims in the county, including Grants Pass.
How many flood insurance policies are active in Grants Pass?
Josephine County currently has 509 active NFIP flood insurance policies with an average annual premium of $1,259. The most policies are in Zone AE (383 policies). These figures cover all active NFIP policies in the county.
How many Grants Pass properties have flooded repeatedly?
Josephine County has 5 properties with multiple flood losses on record, including 0 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Grants Pass property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Grants Pass?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Grants Pass's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Oregon Cities
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Look Up Any Grants Pass, OR Address
Enter a Grants Pass, OR address to instantly check its FEMA flood 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 March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.