Portland, Oregon Flood Zones
Portland faces flooding from the Willamette and Columbia rivers, Johnson Creek, and urban stormwater runoff. The Columbia River floodplain and low-lying areas along Johnson Creek are in mapped flood zones.
FEMA Flood Risk Profile: Multnomah 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 HighEst. annual loss: $91.2M
Coastal Flood Risk
Relatively LowEst. annual loss: $43K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Multnomah County
Multnomah County has been included in 4 federal flood-related disaster declarations.
These declarations affected communities across Multnomah County, including Portland.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Multnomah County
Properties in Multnomah County have filed 346 NFIP flood insurance claims totaling $4.5M in payouts since 1978. The average claim payout is $13K.
Highest-Claim Years
1996
132 claims - $2.7M
1980
43 claims - $253K
2015
23 claims - $561K
Claims by Flood Zone
Zone X
143
Zone A
89
Zone AE
47
Zone AH
18
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Common Flood Zones in Portland
Properties in Portland, OR are commonly designated in these FEMA flood zones:
What Your Flood Zone Means in Portland
Portland faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Portland are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $91.2M.
With both riverine and urban stormwater flood risk, insurance costs in Portland depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. 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.
Flood zone boundaries in Portland can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Portland address.
Flood Insurance Discount: Portland
Portland 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 5
SFHA Premium Discount
25% off
CRS classes range from 1 (best) to 10 (no discount). Portland's Class 5 rating means NFIP policyholders in the SFHA can receive up to a 25% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Check Your Portland Address
Enter any Portland, OR address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupPortland, OR Flood Zone FAQ
What flood zones are in Portland, OR?
The most common FEMA flood zones in Portland 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 Portland?
If your Portland 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 about 25% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Portland?
Enter your Portland 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 Portland offer flood insurance discounts?
Yes. Portland participates in FEMA's Community Rating System (CRS) with a Class 5 rating, qualifying residents in the Special Flood Hazard Area for up to a 25% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Portland experienced major flooding events?
Multnomah County, where Portland 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 Portland?
Multnomah County has recorded 346 NFIP flood insurance claims totaling $4.5M in payouts since 1978. The year with the most claims was 1996, with 132 claims and $2.7M in payouts. These figures cover all NFIP claims in the county, including Portland.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026