Natural hazards · Klamath Falls

Klamath Falls, OR natural hazards

Most of the natural-hazard damage FEMA expects in Klamath Falls comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2005. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Klamath Falls?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Klamath Falls to be higher than in 50% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes45%Inland flooding35%Avalanches9%Cold waves5%Everything else7%

By hazard

What Klamath Falls faces

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

Earthquakes

45% of expected damage

Well above average · higher than 85% of U.S. places

Inland flooding

35% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once every 3 years in the area

Avalanches

9% of expected damage

Well below average · higher than 0% of U.S. places

Recorded about once every 65 years in the area

Cold waves

5% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once every 9 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesTsunamis

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 Klamath Falls flood?

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

1paid claims since 2005

$7Kpaid to owners

0homes flooded more than once

20052026

of all homes
are insured

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

Insurance rates: Klamath County.

Disasters that hit Klamath Falls

1 federal disaster brought FEMA money here

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

Brought FEMA money into Klamath FallsDeclared for Klamath County only

2020

Wildfires and Straight-Line Winds

204 households applied for aid $15K aid approved

Klamath County has had 15 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. Klamath Falls covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Klamath Falls’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Klamath Falls. 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 Klamath Falls total about $10.2M 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.