Flood insurance claims in Coos County, Oregon

FEMA records 194 National Flood Insurance Program claims in Coos County, Oregon, since 1978, with $3.3 million paid in total. The year with the most claims was 1996, with 37. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 11.1% of homes in the high-risk flood zone did.

NFIP claims on record194

Total paid$3.3 million

Claims with a payment152

Homes with NFIP policy0.8%

High-risk zone homes insured11.1%

Residential policies in force223

Claims by year of loss

NFIP claims by year of loss, Coos County, Oregon

Paid on claims by year of loss (building, contents and increased cost of compliance), Coos County, Oregon

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	35
Winter storm	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
97420	106
97458	32
97459	26
97411	16
97449	10
97423	2
97466	1

110 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.9 million, contents $330,933, increased cost of compliance $130,869.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,222	136	11.1%
All homes	27,012	223	0.8%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.