Natural hazards · Cottage Grove

Cottage Grove, OR natural hazards

Most of the natural-hazard damage FEMA expects in Cottage Grove comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 1981. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cottage Grove?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cottage Grove to be higher than in 83% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding64%Earthquakes33%Everything else4%

By hazard

What Cottage Grove faces

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

Inland flooding

64% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Earthquakes

33% of expected damage

Well above average · higher than 86% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesDroughtTsunamis

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 Cottage Grove flood?

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

4paid claims since 1981

$11Kpaid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. Cottage Grove is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Lane County.

Disasters that hit Cottage Grove

5 federal disasters brought FEMA money here

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

Brought FEMA money into Cottage GroveDeclared for Lane County only

2024

Severe Winter Storms, Straight-Line Winds, Landslides, and Mudslides

$2.9M to the City of Cottage Grove for repairs

2020

Wildfires and Straight-Line Winds

63 households applied for aid $5K aid approved

2019

Severe Winter Storms, Flooding, Landslides, and Mudslides

$141K to the City of Cottage Grove for repairs

2014

Severe Winter Storm

$113K to the City of Cottage Grove for repairs

2003

Severe Winter Storms

$6K to the City of Cottage Grove for repairs

Lane County has had 20 natural disasters declared since 1953, most often severe 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. Cottage Grove 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 Cottage Grove’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cottage Grove. 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.