Natural hazards · Florence

Florence, OR natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 1997. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Florence?

Very high

vs. U.S. communities

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

Earthquakes73%Inland flooding23%Everything else4%

By hazard

What Florence faces

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

Earthquakes

73% of expected damage

Well above average · higher than 95% of U.S. places

Inland flooding

23% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDroughtTsunamis

Not a risk here

HurricanesAvalanchesVolcanic 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 Florence flood?

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

3paid claims since 1997

$60Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lane County.

Disasters that hit Florence

3 federal disasters brought FEMA money here

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

Brought FEMA money into FlorenceDeclared for Lane County only

2025

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

$32K to the City of Florence for repairs

2020

Wildfires and Straight-Line Winds

30 households applied for aid $6K aid approved

2012

Severe Winter Storm, Flooding, Landslides, and Mudslides

$17K to the City of Florence 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. Florence covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Florence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Florence. 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 Florence total about $7.1M 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.