Natural hazards · Three Rivers

Three Rivers, OR natural hazards

Most of the natural-hazard damage FEMA expects in Three Rivers comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Three Rivers?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Three Rivers to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%

By hazard

What Three Rivers faces

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

Inland flooding

86% of expected damage

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

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Three Rivers flood?

FEMA's records show no paid flood insurance claims in Three Rivers.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Three Rivers 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 Three Rivers

Federal disasters declared here

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

Brought FEMA money into Three RiversDeclared for Deschutes County only

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. Three Rivers 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 Three Rivers’s own flood-insurance community; household aid to the registrant’s city; repair grants to Three Rivers. 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.