Flood insurance claims in Deschutes County, Oregon

FEMA records 21 National Flood Insurance Program claims in Deschutes County, Oregon, since 1979, with $186,223 paid in total. The most claims in one year was 3, in 1993 and 2014. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 21.2% of homes in the high-risk flood zone did.

NFIP claims on record21

Total paid$186,223

Claims with a payment11

Homes with NFIP policy0.2%

High-risk zone homes insured21.2%

Residential policies in force149

Claims by year of loss

NFIP claims by year of loss, Deschutes County, Oregon

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
97703	10
97759	5
97707	3
97701	1
97739	1
97702	1

7 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $186,223, contents $0, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	269	57	21.2%
All homes	90,559	149	0.2%

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.