Natural hazards · La Pine

La Pine, OR natural hazards

Most of the natural-hazard damage FEMA expects in La Pine comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is La Pine?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Pine to be higher than in 40% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding68%Earthquakes18%Wildfire6%Everything else8%

By hazard

What La Pine faces

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

Inland flooding

68% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

18% of expected damage

Well above average · higher than 79% of U.S. places

Wildfire

6% of expected damage

Well above average · higher than 93% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamis

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 La Pine flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Deschutes County.

Disasters that hit La Pine

1 federal disaster brought FEMA money here

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

Brought FEMA money into La PineDeclared for Deschutes County only

2020

Wildfires and Straight-Line Winds

1 household applied for aid

Deschutes County has had 18 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. La Pine covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to La Pine’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of La Pine. 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 La Pine total about $1.2M 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.