Flood insurance claims in Polk County, Oregon

FEMA records 78 National Flood Insurance Program claims in Polk County, Oregon, since 1980, with $851,650 paid in total. The year with the most claims was 2007, with 23. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 30.1% of homes in the high-risk flood zone did.

NFIP claims on record78

Total paid$851,650

Claims with a payment50

Homes with NFIP policy1.2%

High-risk zone homes insured30.1%

Residential policies in force359

Claims by year of loss

NFIP claims by year of loss, Polk County, Oregon

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

Named flood events with the most claims

Event (FEMA name)	Claims
Winter storm	22
Flooding	16

ZIP codes with the most claims

ZIP code (as reported)	Claims
97338	21
97371	19
97304	10
97361	9
97396	7
97351	5
97378	3
97347	3
97101	1

53 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $629,483, contents $192,167, increased cost of compliance $30,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	869	262	30.1%
All homes	30,081	359	1.2%

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.