FEMA puts Bunker Hill’s expected hazard damage per building above that of 97% of U.S. towns, led by earthquakes
On FEMA’s National Risk Index, Bunker Hill gets a D− for hazard risk: higher expected damage per building than 97% of U.S. towns. Most of that expected damage is earthquakes (46%), then river and rain flooding (35%). 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 Bunker Hill faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
River and rain flooding
Coastal flooding
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 Bunker Hill’s grade
Earthquakes are 46% of the building damage FEMA expects in Bunker Hill, and Bunker Hill’s rate of earthquakes damage is in the top 3% of U.S. census tracts. Coastal flooding adds 19%, at a rate in the top 1% of U.S. census tracts.
D− higher expected damage per building than 97% of U.S. towns (21,298).
All of Bunker Hill’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $2.0M a year in losses across Bunker Hill: $1.6M to buildings, the rest to people and crops.
Does Bunker Hill flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bunker Hill. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bunker Hill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Coos County.The storms Bunker Hill remembers
None of the 16 disasters declared for Coos County shows FEMA aid or repair money reaching Bunker Hill itself in FEMA’s records, so these are its biggest flood-claim years.
Coos County has had 16 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.
Bunker Hill and its neighbors
Bunker Hill is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Coos Bay | Dmore damage than 94% | earthquakes | 45 |
| Bunker Hill | D−more damage than 97% | earthquakes | 0 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Bunker Hill faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Bunker Hill
Is Bunker Hill at risk for natural disasters?
On FEMA’s National Risk Index, Bunker Hill has higher expected damage per building than 97% of U.S. towns: D− for hazard risk. Most of the expected damage is earthquakes (46%) and river and rain flooding (35%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Bunker Hill 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 Coos County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Bunker Hill?
FEMA’s Community Rating System list shows no discount for Bunker Hill’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bunker Hill at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (46%), and Bunker Hill’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bunker Hill.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bunker Hill’s 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.