Oregon
flood insurance data
- Of the 4,064 owner registrations FEMA inspected in Oregon after disasters of every declared type, 21.9% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4562, WILDFIRES AND STRAIGHT-LINE WINDS (declared 2020-09-15), with 2,428.
- The median paid claim, $10,670, is 71.4% below the national median of the same years ($37,248), the 12th lowest of 51 States and territories.
- Of the 6 zones listed (AE, X, A, AH, AO, VE), zone VE has the highest median premium ($1,508) and zone AO the lowest ($720). Coastal high-hazard zone VE is listed, with 205 policies.
- Residential NFIP policies counted by FEMA fell 26.0% between 2019 (21,965) and 2025 (16,260); the first year, 2019, has the highest count of the 7.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Oregon
NFIP premiums: what NFIP policyholders paid, not a quote. Across 16,260 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,084, and half of them fall between $819 (Q1) and $1,427 (Q3).
With 16,260 residential NFIP policies effective 2025, Oregon has the 22nd most of 53 States and territories.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 10,351 | $824 | $1,128 | $1,673 |
| Outside SFHA (X, B, C) | 5,906 | $806 | $1,081 | $1,281 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 8,118 | $836 | $1,143 | $1,695 |
| X | 5,906 | $806 | $1,081 | $1,281 |
| A | 1,493 | $821 | $1,141 | $1,739 |
| AH | 291 | $772 | $903 | $1,060 |
| AO | 243 | $588 | $720 | $914 |
| VE | 205 | $1,290 | $1,508 | $2,367 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 21,965 |
| 2020 | 21,061 |
| 2021 | 20,671 |
| 2022 | 19,186 |
| 2023 | 17,799 |
| 2024 | 17,015 |
| 2025 | 16,260 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 16,260 policies.
NFIP paid building claims in Oregon
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 409 paid claims; median $10,670, half of them between $4,263 (Q1) and $27,695 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $13,628, a monetary adjustment, not today’s cost of repair.
2015 alone holds 51.1% of the paid claims (year of loss 2015-2024). With 409 paid claims (year of loss 2015-2024), Oregon has the 13th fewest of 53 States and territories.
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 209 |
| 2016 | 14 |
| 2017 | 23 |
| 2018 | 10 |
| 2019 | 49 |
| 2020 | 38 |
| 2021 | 40 |
| 2022 | 8 |
| 2023 | 12 |
| 2024 | 6 |
FEMA disaster declarations
Since 2000: 20 flood, hurricane and severe-storm declarations (DR and EM) covering Oregon, 20 of them major disaster declarations.
Oregon counts 20 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 16th fewest of 53 States and territories. Severe Storm declarations are the most frequent (17), ahead of Flood (3).
| Incident type | Declarations |
|---|---|
| Flood | 3 |
| Hurricane | 0 |
| Severe Storm | 17 |
Latest declarations
- DR-4907: SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES (Severe Storm, 2026-04-07)
- DR-4881: SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (Severe Storm, 2025-07-22)
- DR-4768: SEVERE WINTER STORMS, STRAIGHT-LINE WINDS, LANDSLIDES, AND MUDSLIDES (Severe Storm, 2024-04-13)
- DR-4599: SEVERE WINTER STORM (Severe Storm, 2021-05-04)
- DR-4519: SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (Flood, 2020-04-03)
FEMA assistance to homeowners
Since 2002: 4,064 owner registrations inspected by FEMA in Oregon after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 821 |
| $1-$10,000 | 1,888 |
| $10,001-$20,000 | 220 |
| $20,001-$30,000 | 243 |
| More than $30,000 | 892 |
Disasters with the most inspections
- DR-4562, WILDFIRES AND STRAIGHT-LINE WINDS (declared 2020-09-15): 2,428 inspections
- DR-1733, SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (declared 2007-12-08): 1,462 inspections
- DR-4519, SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (declared 2020-04-03): 174 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 265 NFIP communities in Oregon: 261 participate in the NFIP and 35 (13.2%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 3 (Salem, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Oregon dates from 1976-06-30 (Butte Falls, Town of). 4 of these communities do not participate in the NFIP; 4 carry a sanction, 1 coded as a suspension and 0 as a withdrawal.
| CRS class | Communities |
|---|---|
| 3 | 1 |
| 5 | 4 |
| 6 | 4 |
| 7 | 6 |
| 8 | 2 |
| 9 | 6 |
| 10 | 12 |
Questions about flood insurance in Oregon
How much is flood insurance in Oregon?
NFIP policyholders in Oregon paid a median of $1,084 for residential policies effective 2025 (16,260 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $819 and $1,427; $1,128 inside the Special Flood Hazard Area against $1,081 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Oregon had?
409 NFIP building claims were paid (year of loss 2015-2024), with a median of $10,670; the year with the most was 2015 (209). These are amounts paid, not repair cost.
Is Oregon in a flood zone?
Of the residential NFIP policies of Oregon (policies effective 2025), 10,351 are rated inside the Special Flood Hazard Area and 5,906 outside it (zones listed: AE, X, A, AH, AO, VE), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).