Natural hazards · Happy Valley

Happy Valley, OR natural hazards

Most of the natural-hazard damage FEMA expects in Happy Valley comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2015. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Happy Valley?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Happy Valley to be higher than in 32% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding45%Earthquakes30%Cold waves12%Heat waves7%Everything else6%

By hazard

What Happy Valley faces

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

Inland flooding

45% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Earthquakes

30% of expected damage

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

Cold waves

12% of expected damage

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

Recorded about once every 4 years in the area

Heat waves

7% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 7 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamis

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 Happy Valley flood?

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

1paid claims since 2015

$8Kpaid to owners

0homes flooded more than once

20152026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clackamas County.

Disasters that hit Happy Valley

5 federal disasters brought FEMA money here

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

Brought FEMA money into Happy ValleyDeclared for Clackamas County only

2024

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

$20K to the City of Happy Valley for repairs

2021

Severe Winter Storm

$71K to the City of Happy Valley for repairs

2020

Wildfires and Straight-Line Winds

54 households applied for aid $8K aid approved $3K to the City of Happy Valley for repairs

2008

Severe Winter Storm, Record and Near Record Snow

$44K to the City of Happy Valley for repairs

2003

Severe Winter Storms

$7K to the City of Happy Valley for repairs

Clackamas County has had 18 natural disasters declared since 1953, most often severe storms and floods.

Around Happy Valley

Happy Valley and the towns around it

Very lowLowModerateHighVery high

Portlandmostly earthquakesHigh

Damascusmostly inland floodingModerate

Happy Valleymostly 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. Happy Valley covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Happy Valley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Happy Valley. 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 Happy Valley total about $7.0M 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.