Flood insurance in Oregon: cost by ZIP code and county
Oregon's 13,926 single-family flood policies had a median bill of $1,132 on July 31, 2026; the coast pays more and will keep rising.
Median single-family flood bill, Oregon
$1,132
13,926 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,454 |
| Policies still below their full-risk price | 49 % |
| Median paid in August 2023 | $836 |
| Increase left from the median | 2 renewals at 18 % |
| Next five bills, added up | $7,139 |
| Median claim paid, 2016 to 2025 (263 claims) | $16,692 |
Compiled by Radif Partners · Where the numbers come from · 245 ZIP codes and 33 counties of Oregon in FEMA's tables · not a quote
In Oregon, a single-family federal flood policy had a median yearly bill of $1,132 on July 31, 2026, premium, Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee together, across 13,926 policies. The full-risk median of the same homes is $1,454, and 49 % of policies still pay less, so the state is in the middle of its climb. The pressure sits on the Pacific shore. Tillamook, Clatsop and Lincoln counties hold 2,809 policies, and in each of them at least 72 % are below full price; Tillamook's median bill of $1,426 compares with a full-risk median of $2,822. At 18 % a year, a main home at that county median needs 5 more renewals to get there. FEMA rated 24 % of Oregon's policies as exposed to tsunami.
Two Oregons on the flood map
Not every policy is on the open shore. Lane County, around Eugene and Springfield, has the largest count, 1,956, at a median bill of $1,083. Multnomah County, which includes Portland, is cheaper and almost at full price: $763 paid against $778. FEMA's model prices both well below Tillamook, Clatsop and Lincoln counties.
On the Pacific shore the numbers change. Lincoln County, home to Newport and Lincoln City, had a median bill of $1,311 and a full-risk median of $2,960. Clatsop County, where the USGS gauges the Columbia River at its mouth near Astoria, showed $1,363 against $2,684. FEMA's 2023 table counts the coastal hazards statewide: 24 % of policies exposed to tsunami and 5 % to coastal erosion.
Five years of bills for a Tillamook County median home
Your next five flood bills, added up
$11,443
| Renewal 1 (capped) | $1,670 |
| Renewal 2 (capped) | $1,957 |
| Renewal 3 (capped) | $2,297 |
| Renewal 4 (capped) | $2,697 |
An unusual X zone
In most states, homes outside the mapped floodplain are both cheaper and closer to full price. Oregon's 5,181 X-zone policies paid a median $1,093, but their full-risk median is $1,466, higher than the $1,419 of the A zones. Under the current method, a low-risk letter on the map does not mean a low price ahead.
The 2023 price bands point the same way. FEMA put 22 % of Oregon's single-family policies at a full-risk cost of $3,000 a year or more, against 17 % of policies nationwide. Those homes are the ones still several renewals away from their final price, and the rate increase guide shows how the steps add up.
Few claims, but costly ones
Oregon paid only 263 single-family claims for losses from 2016 to 2025, and no single flood event stands out in the file. The median payment, $16,692, is still several times the yearly bill. Clackamas County had the most claims, 56, at a median of $22,456. Josephine County had the widest gap between current and full-risk cost in 2023. For homes bought with a mortgage, the guide to buying in a flood zone covers what a lender checks.
The Oregon counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Lane County | 1,956 | $1,083 | $1,248 | 42 % | 1 | $794 | $6,563 |
| Clackamas County | 1,211 | $1,256 | $1,951 | 52 % | 3 | $878 | $22,456 |
| Tillamook County | 987 | $1,426 | $2,822 | 79 % | 5 | $985 | $7,569 |
| Clatsop County | 885 | $1,363 | $2,684 | 79 % | 5 | $914 | n/a |
| Marion County | 1,033 | $930 | $968 | 35 % | 1 | $756 | $7,078 |
| Lincoln County | 937 | $1,311 | $2,960 | 72 % | 6 | $914 | $20,573 |
| Jackson County | 930 | $892 | $972 | 40 % | 1 | $761 | $10,479 |
| Multnomah County | 860 | $763 | $778 | 25 % | 1 | $693 | n/a |
Full-risk prices of Oregon homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 5,460 | 33.6 % | $374,857 |
| $1,000 to $2,000 | 4,556 | 28.1 % | $396,158 |
| $2,000 to $3,000 | 2,582 | 15.9 % | $390,267 |
| $3,000 to $4,000 | 1,655 | 10.2 % | $397,000 |
| $4,000 to $5,000 | 951 | 5.9 % | $421,940 |
| $5,000 or more | 1,025 | 6.3 % |