Natural hazards · Talent

Talent, OR natural hazards

Most of the natural-hazard damage FEMA expects in Talent comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1997. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Talent?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Talent to be higher than in 67% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding63%Earthquakes28%Heat waves7%Everything else3%

By hazard

What Talent faces

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

Inland flooding

63% of expected damage

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

Recorded about once every 2 years in the area

Earthquakes

28% of expected damage

Well above average · higher than 84% of U.S. places

Heat waves

7% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 8 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesCold wavesDroughtAvalanchesTsunamis

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 Talent flood?

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

1paid claims since 1997

$15Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Talent is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Jackson County.

Disasters that hit Talent

2 federal disasters brought FEMA money here

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

Brought FEMA money into TalentDeclared for Jackson County only

2020

Wildfires and Straight-Line Winds

1,266 households applied for aid $5.5M aid approved $1.0M to the City of Talent for repairs

2005

Severe Storms, Flooding, Landslides, and Mudslides

$2K to the City of Talent for repairs

Jackson County has had 17 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. Talent covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Talent’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Talent. 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 Talent total about $1.7M 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.