Photo: Orygun · CC BY-SA 3.0More hazard damage per building is expected in Eagle Crest than in 74% of U.S. towns, mostly from wildfire
On FEMA’s National Risk Index, Eagle Crest gets a C for hazard risk: higher expected damage per building than 74% of U.S. towns, #84 of 142 in Oregon. Most of that expected damage is wildfire (53%), then river and rain flooding (44%). 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 Eagle Crest 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 Eagle Crest’s grade
Wildfire is 53% of the building damage FEMA expects in Eagle Crest, and Eagle Crest’s rate of wildfire damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 44% (lower than 54% of U.S. census tracts).
C #84 of 142 in Oregon; higher expected damage per building than 74% of U.S. towns (21,298).
Eagle Crest’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, Eagle Crest has more expected damage per building than 59% of Oregon towns.
In dollars, FEMA expects about $2.1M a year in losses across Eagle Crest: $1.8M to buildings, the rest to people and crops.
Does Eagle Crest flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Eagle Crest. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Eagle Crest isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Deschutes County.The storms Eagle Crest remembers
None of the 6 disasters declared for Deschutes County shows FEMA aid or repair money reaching Eagle Crest itself in FEMA’s records, so these are its biggest flood-claim years.
Deschutes County has had 6 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 Deschutes County, 2002–2026.
Get ready for what Eagle Crest 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 Eagle Crest
Is Eagle Crest at risk for natural disasters?
On FEMA’s National Risk Index, Eagle Crest has higher expected damage per building than 74% of U.S. towns: C for hazard risk, #84 of 142 in Oregon. Most of the expected damage is wildfire (53%) and river and rain flooding (44%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Eagle Crest 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 Deschutes County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Eagle Crest?
FEMA’s Community Rating System list shows no discount for Eagle Crest’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Eagle Crest at risk from wildfire?
It is the largest share of the building damage FEMA expects here (53%), and Eagle Crest’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eagle Crest.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eagle Crest’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.