John E. and Christina Paulson House · Photo: Zenhaus · CC BY-SA 3.0On FEMA’s figures, Coquille faces more hazard damage per building than 94% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Coquille gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns, #136 of 142 in Oregon. Most of that expected damage is earthquakes (53%), then river and rain flooding (45%). 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 Coquille 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 Coquille’s grade
Earthquakes are 53% of the building damage FEMA expects in Coquille, and Coquille’s rate of earthquakes damage is in the top 4% of U.S. census tracts. Coastal flooding adds 2%, at a rate in the top 3% of U.S. census tracts.
D #136 of 142 in Oregon; higher expected damage per building than 94% of U.S. towns (21,298).
Coquille’s residents live in 2 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, Coquille has more expected damage per building than 96% of Oregon towns.
In dollars, FEMA expects about $4.4M a year in losses across Coquille: $3.2M to buildings, the rest to people and crops.
Does Coquille flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Coquille. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Coquille 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.1 federal disaster brought FEMA money to Coquille
Disasters that paid out in Coquille itself (aid to households or repair grants to the City of Coquille), newest first, with that year’s flood claims.
- 2005Severe Storms, Flooding, Landslides, and Mudslides$8K to the City of Coquille for repairs
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.
Old photos of Coquille after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coquille archive →Get ready for what Coquille 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 Coquille
Is Coquille at risk for natural disasters?
On FEMA’s National Risk Index, Coquille has higher expected damage per building than 94% of U.S. towns: D for hazard risk, #136 of 142 in Oregon. Most of the expected damage is earthquakes (53%) and river and rain flooding (45%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Coquille 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 Coquille?
FEMA’s Community Rating System list shows no discount for Coquille’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 Coquille?
By FEMA money that reached Coquille, Severe Storms, Flooding, Landslides, and Mudslides (2005): $8K to the City of Coquille for repairs.
Is Coquille at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (53%), and Coquille’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coquille.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coquille’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.