Natural hazards · Ontario

Ontario, OR natural hazards

Most of the natural-hazard damage FEMA expects in Ontario comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1982.

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

Expected damage

How exposed is Ontario?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ontario to be higher than in 20% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding64%Earthquakes22%Heat waves6%Everything else9%

By hazard

What Ontario faces

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

Inland flooding

64% of expected damage

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

Recorded about once a year in the area

Earthquakes

22% of expected damage

Well above average · higher than 78% of U.S. places

Heat waves

6% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 5 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Ontario flood?

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

3paid claims since 1982

$58Kpaid to owners

0homes flooded more than once

19822026

of all homes
are insured

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

Insurance rates: Malheur County.

Disasters that hit Ontario

Federal disasters declared here

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

Brought FEMA money into OntarioDeclared for Malheur County only

Malheur County has had 5 natural disasters declared since 1953, most often floods and fires.

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. Ontario covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ontario’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ontario. 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 Ontario total about $1.4M 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.