Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Oregon
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Oregon ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Deschutes County | $794 | Relatively Moderate | $596,000 |
| 2 | Crook County | $912 | Very Low | $423,300 |
| 3 | Malheur County | $1,041 | Very Low | $221,300 |
| 4 | Klamath County | $1,128 | Relatively Low | $255,700 |
| 5 | Union County | $1,145 | Relatively Low | $260,500 |
| 6 | Washington County | $1,163 | Relatively High | $558,500 |
| 7 | Polk County | $1,164 | Relatively Low | $419,500 |
| 8 | Jefferson County | $1,197 | Very Low | $339,200 |
| 9 | Multnomah County | $1,268 | Relatively High | $528,000 |
| 10 | Jackson County | $1,345 | Relatively Moderate | $400,200 |
| 11 | Clackamas County | $1,346 | Relatively High | $577,900 |
| 12 | Marion County | $1,364 | Relatively High | $383,300 |
| 13 | Lane County | $1,387 | Relatively High | $395,800 |
| 14 | Linn County | $1,406 | Relatively Moderate | $344,600 |
| 15 | Umatilla County | $1,420 | Relatively Moderate | $256,100 |
| 16 | Yamhill County | $1,435 | Relatively Moderate | $442,700 |
| 17 | Columbia County | $1,635 | Relatively Low | $390,600 |
| 18 | Hood River County | $1,654 | Very Low | $571,200 |
| 19 | Benton County | $1,667 | Relatively Moderate | $481,700 |
| 20 | Baker County | $1,678 | Relatively Low | $247,700 |
| 21 | Lake County | $1,757 | Very Low | $219,400 |
| 22 | Josephine County | $1,926 | Relatively Moderate | $383,100 |
| 23 | Douglas County | $2,014 | Relatively Moderate | $283,200 |
| 24 | Harney County | $2,084 | Very Low | $190,600 |
| 25 | Morrow County | $2,168 | Very Low | $229,800 |
| 26 | Gilliam County | $2,207 | Very Low | $158,400 |
| 27 | Grant County | $2,223 | Very Low | $225,100 |
| 28 | Wallowa County | $2,341 | Very Low | $371,900 |
| 29 | Lincoln County | $2,596 | Relatively Moderate | $387,700 |
| 30 | Wasco County | $2,772 | Relatively Low | $332,500 |
| 31 | Coos County | $3,151 | Relatively Moderate | $302,800 |
| 32 | Sherman County | $3,306 | Very Low | $206,700 |
| 33 | Tillamook County | $3,325 | Relatively Moderate | $408,600 |
| 34 | Curry County | $3,899 | Relatively Moderate | $366,700 |
| 35 | Wheeler County | $4,222 | Very Low | $259,000 |
| 36 | Clatsop County | $8,019 | Relatively High | $437,800 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Oregon