Flood insurance in Oregon

Flood insurance policies, average premiums, flood zones and claims history for Oregon, county by county, from official FEMA records.

Policies as of 5 September 2026Source: FEMA OpenFEMA
Active flood policies
22,763
NFIP policies in force
Average yearly premium
$1,183
$87 below the US average
Claims paid since 1978
$110.1M
across 6,095 claims
Policies in high-risk zones
61%
zones A and V, where known

Flood claims paid per year

NFIP claims paid in Oregon, 2000–2026

The three costliest years. The worst was 2007, with $21.1 million paid on 471 claims.

Insured buildings by flood zone

Zone V / VE3%
Coastal high-hazard areas with wave action. Flood insurance is required with a federally backed mortgage.
Zone A / AE58%
High-risk areas with a 1% chance of flooding each year. Insurance is required with a federally backed mortgage.
Zone X, B, C39%
Moderate to low risk. Insurance is optional, and policies are usually much cheaper.

Zone not reported for 41% of policies; shares are of policies with a known zone.

Costliest flood events

Named events by NFIP claims paid in Oregon

EventYearClaimsPaid
Flooding19961,638$34.2 million
Winter storm2007443$20.9 million
Flooding1997258$2.6 million
Winter storm200984$2.0 million
Flooding199032$236 thousand

Flood insurance by county

Counties in Oregon with detailed pages, by number of policies. 19 smaller counties are included in the state totals.

CountyPoliciesAvg premiumClaims since 1978Paid
Multnomah County4,438$865348$4.6 million
Lane County2,699$1,152454$4.2 million
Lincoln County1,544$1,410462$6.3 million
Washington County1,506$1,079408$5.5 million
Clackamas County1,466$1,328816$24.6 million
Marion County1,459$906400$6.0 million
Tillamook County1,375$1,375754$15.2 million
Clatsop County1,309$1,533160$2.0 million
Jackson County1,132$974304$2.5 million
Douglas County998$1,509300$3.9 million
Benton County706$98370$544 thousand
Linn County592$1,088137$1.8 million
Columbia County535$1,303432$21.0 million

Common questions

How much does flood insurance cost in Oregon?

The average NFIP flood insurance policy in Oregon costs about $1,183 a year. Your own premium depends on your building's flood risk, elevation and the coverage you choose.

How many homes have flood insurance in Oregon?

There are about 22,763 National Flood Insurance Program policies in force in Oregon, according to FEMA's latest policy data. Private flood policies are not included.

How often does Oregon flood?

Since 1978, NFIP policyholders in Oregon have filed 6,095 flood claims, with $110.1 million paid out. 498 of those claims were in the last 10 years.

Does homeowners insurance cover flooding?

No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.

How long until a new flood policy starts?

NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.

How to get flood insurance

Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.