Flood insurance claims in Umatilla County, Oregon

FEMA records 94 National Flood Insurance Program claims in Umatilla County, Oregon, since 1978, with $1.8 million paid in total. The year with the most claims was 2020, with 35. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 17.9% of homes in the high-risk flood zone did.

NFIP claims on record94

Total paid$1.8 million

Claims with a payment64

Homes with NFIP policy0.7%

High-risk zone homes insured17.9%

Residential policies in force213

Claims by year of loss

NFIP claims by year of loss, Umatilla County, Oregon

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	11

ZIP codes with the most claims

ZIP code (as reported)	Claims
97801	36
97862	15
97875	13
97868	7
97886	6
97835	3
97810	3
97826	3
97838	3
97813	2

58 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.6 million, contents $185,065, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	934	167	17.9%
All homes	29,501	213	0.7%

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.