Natural hazards · Harbor

Harbor, OR natural hazards

Most of the natural-hazard damage FEMA expects in Harbor comes from earthquakes, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Harbor?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harbor to be higher than in 91% of U.S. communities, mostly from earthquakes and tsunamis.

Earthquakes51%Tsunamis41%Inland flooding7%

By hazard

What Harbor faces

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

Earthquakes

51% of expected damage

Well above average · among the top 1% of U.S. places

Tsunamis

41% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

7% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

HurricanesCold wavesDroughtAvalanchesVolcanic 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 Harbor flood?

FEMA's records show no paid flood insurance claims in Harbor.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Curry County.

Disasters that hit Harbor

Federal disasters declared here

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

Brought FEMA money into HarborDeclared for Curry County only

Curry County has had 14 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. Harbor covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to Harbor. 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 Harbor total about $4.2M 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.