Oregon Home-Insurance Distress by County

Oregon reads well above the national norm for home-insurance distress — 36 counties averaging 49/100, 12th of 52 states.

5 of Oregon's 36 counties score 70 or higher (severe).

Oregon's reading rests on a FEMA hazard average of 60/100 and NFIP flood-claim stress of 39/100.

Over three years Oregon counties filed 182 NFIP flood claims, $6,768,342 paid.

Highest in Oregon: Umatilla County 81/100 (#336 US), Jackson County 76/100 (#476 US), Josephine County 73/100 (#548 US), Clackamas County 73/100 (#565 US), Coos County 71/100 (#619 US).

Oregon counties by insurance band: 23 medium (Oregon), 10 low, 2 zero, 1 high; Oregon NFIP claims, three years: 182; Oregon payouts $6.8 million.

Oregon counties with the most NFIP claims: Clackamas 57 ($3.0 million); Douglas 54 ($2.0 million); Coos 10 ($655,453) in Oregon; Jackson 8 ($87,494); Lane 8 ($120,103).

Oregon county average rose: 39.4 in March 2026; Oregon reads 45.0 in October 2026; Oregon by month: March 39.4, April 39.4, May 44.2 (Oregon), June 44.2, July 42.5, August 44.0 (Oregon), September 43.8, October 45.0.

Highest Oregon ZIPs, insurance distress: 97538 62 (climate 89), 97532 62 (climate 89) in Oregon, 97526 62 (climate 89), 97523 62 (climate 89) in Oregon, 97543 62 (climate 89), 97531 62 (climate 89) in Oregon.

Reading the Oregon bands: 1 of 36 Oregon counties sit in a high or worse insurance band; Oregon filed 182 NFIP claims in three years, $6.8 million paid to Oregon policyholders; a Oregon county's band moves when FEMA hazard revisions, new Oregon NFIP settlements or carrier filings change its monthly score.