Natural hazards · Philomath

Philomath, OR natural hazards

Most of the natural-hazard damage FEMA expects in Philomath comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2012.

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

Expected damage

How exposed is Philomath?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Philomath to be higher than in 75% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes58%Inland flooding37%Everything else5%

By hazard

What Philomath faces

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

Earthquakes

58% of expected damage

Well above average · higher than 91% of U.S. places

Inland flooding

37% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Philomath flood?

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

2paid claims since 2012

$25Kpaid to owners

0homes flooded more than once

20122026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Benton County.

Disasters that hit Philomath

Federal disasters declared here

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

Brought FEMA money into PhilomathDeclared for Benton County only

Benton County has had 13 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. Philomath covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Philomath’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Philomath. 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 Philomath total about $2.2M 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.