Photo: Steve Morgan · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Cedar Mill as in the typical U.S. town, mostly from earthquakes
On FEMA’s National Risk Index, Cedar Mill gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns, #20 of 142 in Oregon. Most of that expected damage is earthquakes (56%), then river and rain flooding (42%). Flood insurance has paid 2 claims here since 2003.
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 Cedar Mill 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
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 Cedar Mill’s grade
Earthquakes are 56% of the building damage FEMA expects in Cedar Mill, and Cedar Mill’s rate of earthquakes damage is higher than 87% of U.S. census tracts. Next is river and rain flooding at 42% (lower than 83% of U.S. census tracts).
B #20 of 142 in Oregon; lower expected damage per building than 57% of U.S. towns (21,298).
Cedar Mill’s residents live in 7 census tracts; FEMA’s figures are combined by where they live.
The typical Oregon town has higher expected damage than 69% of U.S. towns; within the state, Cedar Mill has less expected damage per building than 87% of Oregon towns.
In dollars, FEMA expects about $6.6M a year in losses across Cedar Mill: $4.7M to buildings, the rest to people and crops.
Does Cedar Mill flood? Rarely: 2 flood claims since 2003
Every paid claim on a federal flood insurance policy in Cedar Mill, from FEMA’s records: 0.3 per 1,000 homes, fewer than 95% of the 13,809 U.S. towns with a flood insurance record.
Cedar Mill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Washington County.The storms Cedar Mill remembers
None of the 11 disasters declared for Washington County shows FEMA aid or repair money reaching Cedar Mill itself in FEMA’s records, so these are its biggest flood-claim years.
- 20031 flood claims paidNo declaration for the county that year
- 20151 flood claims paidThe year of Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides, declared for Washington County
Washington County has had 11 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Washington County, 2020–2024.
Old photos of Cedar Mill after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cedar Mill archive →Cedar Mill and its neighbors
Cedar Mill is 3rd of the 6 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 |
|---|---|---|---|
| West Haven-Sylvan | A−less damage than 77% | river and rain flooding | — |
| Bethany | B+less damage than 75% | river and rain flooding | — |
| Cedar Mill | Bless damage than 57% | earthquakes | 2 |
| Oak Hills | B−more damage than 54% | river and rain flooding | 2 |
| Beaverton | C+more damage than 62% | earthquakes | 31 |
| Portland | Cmore damage than 69% | earthquakes | 167 |
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 Cedar Mill 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.
- 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 Cedar Mill
Is Cedar Mill at risk for natural disasters?
On FEMA’s National Risk Index, Cedar Mill has lower expected damage per building than 57% of U.S. towns: B for hazard risk, #20 of 142 in Oregon. Most of the expected damage is earthquakes (56%) and river and rain flooding (42%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Cedar Mill flood?
Flood insurance has paid 2 claims in Cedar Mill since 2003, $13K in all, or 0.3 per 1,000 homes, fewer than 95% of U.S. towns with a flood insurance record.
Is Cedar Mill 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 Washington County, 38% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Cedar Mill?
FEMA’s Community Rating System list shows no discount for Cedar Mill’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Cedar Mill at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (56%), and Cedar Mill’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cedar Mill.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cedar Mill’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.