Flood insurance cost · ZIP 97404 · OR

Flood insurance cost in ZIP 97404 (unincorporated Lane County, OR)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 310 home policies in force on August 31, 2026.

ZIP code 97404 (unincorporated Lane County, OR)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$984a year

Half of insured homes paid between $803 and $1,176. That is 10% less than the Lane County median ($1,093). The most common flood zone for insured homes here is zone A (50%).

$0$803 · $984 · $1,176$1,470

+6.4% vs Aug 31, 2025 (median $925)

310home policies in force

$1,014average cost (mean)

57%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.

Cost by flood zone in ZIP code 97404

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,250	$792–$1,646	$1,256	22 (7%)	+9.5%
Zone A High risk	$851	$718–$995	$883	155 (50%)	+0.9%
Zone X Moderate to low risk	$1,086	$965–$1,234	$1,127	133 (43%)	+11.0%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 ZIP code 97404, by what they insure.

Type of building	Policies	Median	Average
Single-family home	298	$982	$1,014
2–4 unit building	10	$1,007	$970

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association), non-residential building or unit.

312NFIP policies in force, any building

312insured units (condo association policies count every unit)

63%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 97404

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, 2025	Aug 31, 2026	Change
Home policies in force	318	310	−2.5%
Median annual cost	$925	$984	+6.4%
Average annual cost	$941	$1,014	+7.8%
All policies in force (any building)	320	312	−2.5%

Flood claims history

Fewer than 10 NFIP flood claims have been recorded in ZIP 97404 since 1978, so we do not show claim figures here.

NFIP communities in this ZIP code

Unincorporated Lane County (226 home policies) · Eugene (84 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.