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Flood insurance cost · OR

Flood insurance cost in Oregon

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 15,562 home policies in force on August 31, 2026.

OregonPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,146a year

Half of insured homes paid between $817 and $1,489. That is 6% more than the national median ($1,082). The most common flood zone for insured homes here is zone AE (50%).

$0$817 · $1,146 · $1,489$1,861
+10.4% vs Aug 31, 2025 (median $1,038)
15,562home policies in force
$1,321average cost (mean)
64%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Oregon, county by county.

Cost by flood zone in Oregon

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,537$1,290–$2,198$1,792235 (2%)+12.7%
Zone AE
High risk		$1,175$843–$1,725$1,4657,769 (50%)+8.0%
Zone A
High risk		$1,177$827–$1,762$1,4841,406 (9%)+8.7%
Zone AO
High risk, shallow		$719$592–$908$819219 (1%)+1.0%
Zone AH
High risk, shallow		$932$795–$1,101$959288 (2%)+6.0%
Zone X
Moderate to low risk		$1,108$779–$1,319$1,1015,642 (36%)+8.0%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Oregon, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home13,599$1,145$1,320
2–4 unit building573$1,191$1,304
Manufactured (mobile) home1,024$1,296$1,540
Condo or apartment unit366$677$807
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		560$2,423$3,712
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,945$1,904$2,733
18,067NFIP policies in force, any building
22,430insured units (condo association policies count every unit)
63%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Oregon

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force16,31515,562−4.6%
Median annual cost$1,038$1,146+10.4%
Average annual cost$1,218$1,321+8.5%
All policies in force (any building)18,87618,067−4.3%

Flood claims history

Since 1978, NFIP policyholders in Oregon have filed 6,095 flood claims. 4,554 received a payment, for a total of $110.1 million (an average of $24,176 per paid claim). The year with the most claims was 1996 (1,789 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 25 claims, 14 paid, $56,658 in total1979: 63 claims, 40 paid, $122,037 in total1980: 146 claims, 97 paid, $530,844 in total19801981: 140 claims, 102 paid, $265,147 in total1982: 131 claims, 81 paid, $280,841 in total1983: 100 claims, 73 paid, $398,072 in total1984: 70 claims, 44 paid, $605,239 in total1985: 16 claims1986: 25 claims, 16 paid, $116,868 in total1987: 23 claims, 16 paid, $131,672 in total1989: 12 claims1990: 44 claims, 31 paid, $365,496 in total19901991: 24 claims, 15 paid, $158,037 in total1993: 23 claims1994: 24 claims, 11 paid, $184,364 in total1995: 82 claims, 45 paid, $415,609 in total1996: 1,789 claims, 1,471 paid, $35,246,510 in total19961997: 306 claims, 225 paid, $2,774,483 in total1998: 260 claims, 208 paid, $3,782,622 in total1999: 326 claims, 261 paid, $6,011,235 in total2000: 30 claims, 12 paid, $155,123 in total20002001: 10 claims2002: 44 claims, 32 paid, $540,930 in total2003: 44 claims, 30 paid, $370,857 in total2004: 17 claims2005: 143 claims, 101 paid, $2,446,583 in total2006: 204 claims, 154 paid, $5,415,329 in total2007: 471 claims, 416 paid, $21,061,921 in total20072008: 36 claims, 20 paid, $289,454 in total2009: 119 claims, 96 paid, $2,327,852 in total2010: 41 claims, 18 paid, $353,217 in total20102011: 67 claims, 40 paid, $1,042,618 in total2012: 379 claims, 287 paid, $6,277,331 in total20122014: 46 claims, 25 paid, $433,748 in total2015: 260 claims, 211 paid, $5,915,417 in total2016: 37 claims, 14 paid, $151,159 in total2017: 61 claims, 23 paid, $302,556 in total2018: 31 claims, 11 paid, $693,210 in total2019: 74 claims, 49 paid, $998,532 in total2020: 53 claims, 39 paid, $1,491,654 in total20202021: 56 claims, 41 paid, $725,579 in total2022: 17 claims2023: 24 claims, 12 paid, $345,809 in total2024: 17 claims2025: 155 claims, 122 paid, $6,475,629 in total2026: 10 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (46)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202610<10––
2025155122$6,475,629$53,079
202417<10––
20232412$345,809$28,817
202217<10––
20215641$725,579$17,697
20205339$1,491,654$38,248
20197449$998,532$20,378
20183111$693,210$63,019
20176123$302,556$13,155
20163714$151,159$10,797
2015260211$5,915,417$28,035
20144625$433,748$17,350
2012379287$6,277,331$21,872
20116740$1,042,618$26,065
20104118$353,217$19,623
200911996$2,327,852$24,248
20083620$289,454$14,473
2007471416$21,061,921$50,630
2006204154$5,415,329$35,164
2005143101$2,446,583$24,224
200417<10––
20034430$370,857$12,362
20024432$540,930$16,904
200110<10––
20003012$155,123$12,927
1999326261$6,011,235$23,032
1998260208$3,782,622$18,186
1997306225$2,774,483$12,331
19961,7891,471$35,246,510$23,961
19958245$415,609$9,236
19942411$184,364$16,760
199323<10––
19912415$158,037$10,536
19904431$365,496$11,790
198912<10––
19872316$131,672$8,230
19862516$116,868$7,304
198516<10––
19847044$605,239$13,755
198310073$398,072$5,453
198213181$280,841$3,467
1981140102$265,147$2,599
198014697$530,844$5,473
19796340$122,037$3,051
19782514$56,658$4,047

From 2016 to 2026: 535 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Oregon

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Baker County93$569
Grant County37$1,303
Harney County38$1,017
Hood River County23$1,259
Jefferson County65$739
Klamath County51$1,269
Lake County28$678
Malheur County63$1,018
Morrow County33$1,822
Union County72$795
Wallowa County44$1,658
Wasco County43$1,294

ZIP codes with the most insured homes