FEMA expects more hazard damage per building in Crooked River Ranch than in 80% of U.S. towns, mostly from wildfire
On FEMA’s National Risk Index, Crooked River Ranch gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns, #100 of 142 in Oregon. Most of that expected damage is wildfire (54%), then river and rain flooding (43%). 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 Crooked River Ranch faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
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 Crooked River Ranch’s grade
Wildfire is 54% of the building damage FEMA expects in Crooked River Ranch, and Crooked River Ranch’s rate of wildfire damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 43% (higher than 52% of U.S. census tracts).
C− #100 of 142 in Oregon; higher expected damage per building than 80% of U.S. towns (21,298).
Crooked River Ranch’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, Crooked River Ranch has more expected damage per building than 70% of Oregon towns.
In dollars, FEMA expects about $2.2M a year in losses across Crooked River Ranch: $1.7M to buildings, the rest to people and crops.
Does Crooked River Ranch flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Crooked River Ranch. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Crooked River Ranch isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.The storms Crooked River Ranch remembers
None of the 8 disasters declared for Jefferson County shows FEMA aid or repair money reaching Crooked River Ranch itself in FEMA’s records, so these are its biggest flood-claim years.
Jefferson County has had 8 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 11 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Jefferson County, 2002–2026.
Get ready for what Crooked River Ranch faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Crooked River Ranch
Is Crooked River Ranch at risk for natural disasters?
On FEMA’s National Risk Index, Crooked River Ranch has higher expected damage per building than 80% of U.S. towns: C− for hazard risk, #100 of 142 in Oregon. Most of the expected damage is wildfire (54%) and river and rain flooding (43%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Crooked River Ranch 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 Jefferson County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Crooked River Ranch?
FEMA’s Community Rating System list shows no discount for Crooked River Ranch’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Crooked River Ranch at risk from wildfire?
It is the largest share of the building damage FEMA expects here (54%), and Crooked River Ranch’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crooked River Ranch.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crooked River Ranch’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.