Natural hazards · Oregon

Oregon, OH natural hazards

Most of the natural-hazard damage FEMA expects in Oregon comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 128 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Oregon?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oregon to be higher than in 16% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding57%Tornadoes18%Cold waves8%Everything else17%

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

57% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

Above average · higher than 71% of U.S. places

Cold waves

8% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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.

128paid claims since 1978

$1.3Mpaid to owners

13homes flooded more than once

19782026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ 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: Lucas County.

What’s been done with FEMA grants

1storm safe rooms built

1homes raised above flood level

Disasters that hit Oregon

1 federal disaster 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 Lucas County only

2006

Severe Storms, Tornadoes, Straight Line Winds, and Flooding

37 households applied for aid $36K aid approved

Lucas County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Oregon

Oregon and the towns around it

Very lowLowModerateHighVery high

Curticemostly inland floodingHigh

Allenmostly inland floodingHigh

Washingtonmostly inland floodingModerate

Jerusalemmostly inland floodingModerate

Toledomostly inland floodingLow

Northwoodmostly inland floodingLow

Oregonmostly inland floodingVery low

Harbor Viewmostly inland floodingVery low

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 6 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 City 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 $4.4M 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.