Natural hazards · Baker

Baker, OR natural hazards

Most of the natural-hazard damage FEMA expects in Baker comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1984.

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

Expected damage

How exposed is Baker?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Baker to be higher than in 21% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding47%Earthquakes40%Everything else13%

By hazard

What Baker faces

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

Inland flooding

47% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

40% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Baker flood?

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

2paid claims since 1984

$25Kpaid to owners

0homes flooded more than once

19842026

of all homes
are insured

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

Insurance rates: Baker County.

Disasters that hit Baker

Federal disasters declared here

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

Brought FEMA money into BakerDeclared for Baker County only

Baker County has had 10 natural disasters declared since 1953, most often fires 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. Baker covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Baker’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Baker. 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 Baker total about $1.0M 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.