Flood insurance claims in Klamath County, Oregon

FEMA records 10 National Flood Insurance Program claims in Klamath County, Oregon, since 1982, with $207,434 paid in total. The year with the most claims was 1997, with 5. As of 3 August 2026, 0.2% of homes here had an NFIP policy.

NFIP claims on record10

Total paid$207,434

Claims with a payment8

Homes with NFIP policy0.2%

High-risk zone homes insuredn/a

Residential policies in force51

Claims by year of loss

NFIP claims by year of loss, Klamath County, Oregon

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	4

ZIP codes with the most claims

ZIP code (as reported)	Claims
97624	9
97601	1

7 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $155,155, contents $52,279, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	37	n/a
All homes	32,095	51	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.