FEMA puts Bayside Gardens’s expected hazard damage per building above that of 86% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Bayside Gardens gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (48%), then earthquakes (39%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Bayside Gardens faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Tsunamis
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Bayside Gardens’ grade
River and rain flooding is 48% of the building damage FEMA expects in Bayside Gardens, and Bayside Gardens’ rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Tsunamis add 11%, at a rate in the top 1% of U.S. census tracts.
D higher expected damage per building than 86% of U.S. towns (21,298).
Bayside Gardens’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.3M a year in losses across Bayside Gardens: $1.1M to buildings, the rest to people and crops.
Does Bayside Gardens flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bayside Gardens. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bayside Gardens isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tillamook County.The storms Bayside Gardens remembers
None of the 20 disasters declared for Tillamook County shows FEMA aid or repair money reaching Bayside Gardens itself in FEMA’s records, so these are its biggest flood-claim years.
Tillamook County has had 20 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Tillamook County, 2020–2020.
Get ready for what Bayside Gardens faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Strong shaking or a sudden drop in the sea means head for high ground now.
- Learn the tsunami route signs near the shore.
- Stay away until officials say it’s safe.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Bayside Gardens
Is Bayside Gardens at risk for natural disasters?
On FEMA’s National Risk Index, Bayside Gardens has higher expected damage per building than 86% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (48%) and earthquakes (39%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Bayside Gardens in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Tillamook County, 30% of homes in mapped flood zones carry federal flood insurance, and 5.7% of all homes do.
How much is flood insurance in Bayside Gardens?
FEMA’s Community Rating System list shows no discount for Bayside Gardens’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bayside Gardens at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (48%), and Bayside Gardens’ rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bayside Gardens.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bayside Gardens’ residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.