Natural hazards · Pilot Rock

Pilot Rock, OR natural hazards

Most of the natural-hazard damage FEMA expects in Pilot Rock comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 2020. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Pilot Rock?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pilot Rock to be higher than in 87% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding52%Wildfire33%Cold waves7%Everything else8%

By hazard

What Pilot Rock faces

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

Inland flooding

52% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 2 years in the area

Wildfire

33% of expected damage

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

Cold waves

7% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 8 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDroughtAvalanchesVolcanic 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 Pilot Rock flood?

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

4paid claims since 2020

$109Kpaid to owners

0homes flooded more than once

20202026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Umatilla County.

Disasters that hit Pilot Rock

1 federal disaster brought FEMA money here

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

Brought FEMA money into Pilot RockDeclared for Umatilla County only

2020

Severe Storms, Flooding, Landslides, and Mudslides

2 households applied for aid

Umatilla County has had 13 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. Pilot Rock is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Pilot Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pilot Rock. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.