Photo: M.O. Stevens · Public domainOn FEMA’s figures, Coburg faces more hazard damage per building than 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Coburg gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns. Most of that expected damage is river and rain flooding (54%), then earthquakes (46%). Flood insurance has paid 3 claims here since 1996.
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 Coburg 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
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 Coburg’s grade
River and rain flooding is 54% of the building damage FEMA expects in Coburg, and Coburg’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Next is earthquakes at 46% (higher than 87% of U.S. census tracts).
C+ higher expected damage per building than 64% of U.S. towns (21,298).
All of Coburg’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $768K a year in losses across Coburg: $590K to buildings, the rest to people and crops.
Does Coburg flood? Rarely: 3 flood claims since 1996
Every paid claim on a federal flood insurance policy in Coburg, from FEMA’s records: 5.5 per 1,000 homes, more than 62% of the 13,809 U.S. towns with a flood insurance record.
Coburg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lane County.2 federal disasters brought FEMA money to Coburg
Disasters that paid out in Coburg itself (aid to households or repair grants to the City of Coburg), newest first, with that year’s flood claims.
- 2024Severe Winter Storms, Straight-line Winds, Landslides, and Mudslides$39K to the City of Coburg for repairs
- 2002Severe Winter Storm with High Winds$2K to the City of Coburg for repairs
Lane County has had 18 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Lane County, 2020–2022.
Old photos of Coburg after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coburg archive →Get ready for what Coburg 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.
- 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 Coburg
Is Coburg at risk for natural disasters?
On FEMA’s National Risk Index, Coburg has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (54%) and earthquakes (46%). 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.
Does Coburg flood?
Flood insurance has paid 3 claims in Coburg since 1996, $7K in all, or 5.5 per 1,000 homes, more than 62% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Coburg 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 Lane County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.6% of all homes do.
How much is flood insurance in Coburg?
FEMA’s Community Rating System list shows no discount for Coburg’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Coburg?
By FEMA money that reached Coburg, Severe Winter Storms, Straight-line Winds, Landslides, and Mudslides (2024): $39K to the City of Coburg for repairs.
Is Coburg at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Coburg’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coburg.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coburg’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.