Natural hazards · Oregon

Oregon, WI natural hazards

Most of the natural-hazard damage FEMA expects in Oregon comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 11 claims here since 1996. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oregon?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oregon to be higher than in 13% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves27%Tornadoes13%Hail7%Heat waves5%Everything else4%

By hazard

What Oregon faces

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

Inland flooding

43% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 2 times a year in the area

Cold waves

27% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 68% of U.S. places

Hail

7% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 4 times a year in the area

Heat waves

5% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Oregon flood?

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

11paid claims since 1996

$197Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dane County.

Disasters that hit Oregon

4 federal disasters brought FEMA money here

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

Brought FEMA money into OregonDeclared for Dane County only

2011

Severe Winter Storm and Snowstorm

$10K to the Town of Oregon for repairs

2008

Record Snow and Near Record Snow

$8K to the Town of Oregon for repairs

2000

Snow

$6K to the Town of Oregon for repairs

2000

Severe Storms, Tornadoes, and Flooding

$3K to the Town of Oregon for repairs

Dane County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.

Around Oregon

Oregon and the towns around it

Very lowLowModerateHighVery high

Brooklynmostly inland floodingLow

Oregonmostly inland floodingVery low

Rutlandmostly inland floodingVery low

Montrosemostly inland floodingVery low

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. Oregon covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oregon’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Oregon. 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 Oregon total about $2.0M 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.