Natural hazards · Oregon

Oregon, MI natural hazards

Most of the natural-hazard damage FEMA expects in Oregon comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Oregon?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oregon to be higher than in 43% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes20%Cold waves19%Strong wind8%Everything else5%

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

49% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

20% of expected damage

Well above average · higher than 83% of U.S. places

Cold waves

19% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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?

FEMA's records show no paid flood insurance claims in Oregon.

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: Lapeer County.

Disasters that hit Oregon

Federal disasters declared here

None of the disasters declared for Lapeer County shows FEMA aid or repair money reaching Oregon itself in FEMA’s records.

Brought FEMA money into OregonDeclared for Lapeer County only

Lapeer County has had 8 natural disasters declared since 1953, most often floods and winter storms.

Around Oregon

Oregon and the towns around it

Very lowLowModerateHighVery high

Oregonmostly inland floodingModerate

Richfieldmostly inland floodingLow

Elbamostly inland floodingLow

Marathonmostly inland floodingLow

Mayfieldmostly inland floodingLow

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 covers 2 census tracts, combined by population.

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 Township of Oregon. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Oregon total about $1.8M a year, counting buildings, people and crops.

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.