Natural hazards · Oregon

Oregon, IL natural hazards

Most of the natural-hazard damage FEMA expects in Oregon comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 28 claims here since 1978. 5 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Oregon?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oregon to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding61%Cold waves15%Tornadoes13%Everything else12%

By hazard

What Oregon faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

61% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 82% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Oregon flood?

Every paid claim on a federal flood insurance policy in Oregon, from FEMA’s records.

28paid claims since 1978

$660Kpaid to owners

2homes flooded more than once

19782026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Oregon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Ogle County.

Disasters that hit Oregon

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Oregon itself: aid to households, or repair grants to the City of Oregon.

Brought FEMA money into OregonDeclared for Ogle County only

2011

Severe Winter Storm and Snowstorm

$23K to the City of Oregon for repairs

2010

Severe Storms and Flooding

3 households applied for aid $9K aid approved

2008

Record Snow and Near Record Snow

$19K to the City of Oregon for repairs

2006

Snow

$15K to the City of Oregon for repairs

2000

Illinois Winter Snow Storms

$11K to the City of Oregon for repairs

Ogle County has had 12 natural disasters declared since 1953, most often winter storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Oregon is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Oregon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oregon. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.