Oregon natural hazard risk by county

Oregon has about $2.52 billion in modeled expected annual loss across 36 counties. The state accounts for 1.6% of the national modeled loss total. Its total ranks #21 among 56 state-level entries by modeled loss. FEMA published these 36 county estimates in its December 2025 National Risk Index. The modeled $2.52 billion annual average does not predict loss in any one year.

Modeled expected annual loss

$2.52 billion / year

Share of US loss

1.6%

State loss rank

#21 of 56

Largest modeled-loss hazard

Earthquake

Reading the Oregon county map

The map groups 36 county estimates into five within-state loss classes. Each boundary follows the county geography, while the fill represents modeled dollars per year. The class breaks are calculated from Oregon county values, so a matching shade on another state page need not represent the same amount. Grey marks unmatched geography or an unavailable estimate. Outlined counties link to the detailed profiles available in this release; counties without profiles still contribute to the state totals.

Together, the three largest estimates account for 36.9% of Oregon modeled annual loss. Their combined population represents 42.5% of the state source population. Comparing these two shares helps distinguish the concentration of modeled dollars from the concentration of residents. Neither share identifies the exposure of an individual address, and the map does not show the location of damage within a county.

County totals beside population

Multnomah County, OR combines about $440.4 million in modeled annual loss with 814,167 recorded residents. Dividing those figures gives about $541 per resident, compared with $597 statewide. On this population-adjusted measure, the county places #24 among the 36 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Washington County, OR combines about $270.3 million in modeled annual loss with 600,172 recorded residents. Dividing those figures gives about $450 per resident, compared with $597 statewide. On this population-adjusted measure, the county places #31 among the 36 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Lane County, OR combines about $221.3 million in modeled annual loss with 382,865 recorded residents. Dividing those figures gives about $578 per resident, compared with $597 statewide. On this population-adjusted measure, the county places #21 among the 36 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Where the leading hazards are concentrated

For earthquakes, Multnomah County, OR contributes 27.2% of the state hazard total. The next county, Washington County, OR, contributes about $162.9 million annually, compared with $326.2 million for the leader. Across Oregon, 36 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $708.5 million after those two leading estimates. The state places #3 of 56 state-level entries for this hazard. Its share of the state loss mix is 47.4%. These comparisons describe modeled losses rather than future events.

For riverine flooding, Lane County, OR contributes 13.7% of the state hazard total. The next county, Multnomah County, OR, contributes about $91.2 million annually, compared with $117.0 million for the leader. Across Oregon, 36 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $643.3 million after those two leading estimates. The state places #27 of 56 state-level entries for this hazard. Its share of the state loss mix is 33.7%. These comparisons describe modeled losses rather than future events.

For tsunamis, Clatsop County, OR contributes 69.7% of the state hazard total. The next county, Curry County, OR, contributes about $16.6 million annually, compared with $99.7 million for the leader. Across Oregon, 7 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $26.8 million after those two leading estimates. The state places #5 of 56 state-level entries for this hazard. Its share of the state loss mix is 5.7%. These comparisons describe modeled losses rather than future events.

For wildfires, Jackson County, OR contributes 19.8% of the state hazard total. The next county, Josephine County, OR, contributes about $22.8 million annually, compared with $25.0 million for the leader. Across Oregon, 36 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $78.6 million after those two leading estimates. The state places #8 of 56 state-level entries for this hazard. Its share of the state loss mix is 5.0%. These comparisons describe modeled losses rather than future events.

For heat waves, Washington County, OR contributes 15.6% of the state hazard total. The next county, Multnomah County, OR, contributes about $10.0 million annually, compared with $11.2 million for the leader. Across Oregon, 36 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $50.3 million after those two leading estimates. The state places #28 of 56 state-level entries for this hazard. Its share of the state loss mix is 2.8%. These comparisons describe modeled losses rather than future events.

For cold waves, Clackamas County, OR contributes 26.1% of the state hazard total. The next county, Washington County, OR, contributes about $9.4 million annually, compared with $15.0 million for the leader. Across Oregon, 34 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $33.1 million after those two leading estimates. The state places #34 of 56 state-level entries for this hazard. Its share of the state loss mix is 2.3%. These comparisons describe modeled losses rather than future events.

Oregon hazard totals and county comparisons

Oregon hazard totals combine the county estimates. The largest county column identifies concentration within each hazard; the state rank compares the same hazard across state-level entries.

Oregon county loss totals

Oregon population, values and ratings

Population

4,229,068

Building value

$1,009.91 billion

Agricultural value

$6.45 billion

Modeled loss per resident

$597

Oregon county pages

Oregon has 1 detailed county page linked below.

• Multnomah County, OR: county detail

US county comparisons alongside Oregon