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Eagle PointPhoto: Little Mountain 5 · CC BY-SA 3.0
B−Hazard risk
Natural hazards in Eagle Point · FEMA

FEMA expects about as much hazard damage per building in Eagle Point as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Eagle Point gets a B− for hazard risk: lower expected damage per building than 54% of U.S. towns, #23 of 142 in Oregon. Most of that expected damage is river and rain flooding (65%), then earthquakes (28%). Flood insurance has paid 28 claims here since 1995.

River and rain flooding 65%Earthquakes 28%Wildfire 7%

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

less than 54%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#23 of 142 in Oregon
Hazard risk
B−#23 of 142
in Oregon · lower than 54% of U.S. towns
Main hazard
River and rain flooding
65% of expected building damage
Flood claims
28
paid since 1995 · $261K
Flooded more than once
2
properties
Disasters paid out here
2
of 7 declared for Jackson County

What stands out about Eagle Point’s natural hazards

From FEMA’s model and FEMA’s records, below.

Moved out of harm’s way2 flood-prone homes bought out and moved; 2 homes raised above flood level with FEMA grants.Remembers 199721 flood claims were paid for 1997 alone, the most of any year.
By hazard

What Eagle Point 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

65%of expected building damage
About average · lower than 53% of U.S. census tracts
Recorded about once every 2 years in the area

Earthquakes

28%of expected building damage
Well above average · higher than 83% of U.S. census tracts

Wildfire

7%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Smaller shares here
 Hail Strong wind Tornadoes Winter storms Ice storms Heat waves Landslides Lightning Volcanic activity top 4%
FEMA models no building damage here
Coastal floodingHurricanesCold wavesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 9% of Eagle Point’s expected losses. Heat waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Eagle Point’s grade

River and rain flooding is 65% of the building damage FEMA expects in Eagle Point, and Eagle Point’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Wildfire adds 7%, at a rate in the top 6% of U.S. census tracts.

Where Eagle Point sits
Eagle Point
Least damageMiddleMost damage

B− #23 of 142 in Oregon; lower expected damage per building than 54% of U.S. towns (21,298).

Eagle Point’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding65%Earthquakes28%Wildfire7%Everything else0%

The typical Oregon town has higher expected damage than 69% of U.S. towns; within the state, Eagle Point has less expected damage per building than 84% of Oregon towns.

In dollars, FEMA expects about $2.9M a year in losses across Eagle Point: $2.1M to buildings, the rest to people and crops.

A small-area figure. Eagle Point covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Eagle Point flood? Sometimes: 28 flood claims since 1995

Every paid claim on a federal flood insurance policy in Eagle Point, from FEMA’s records: 7.1 per 1,000 homes, more than 67% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1995: 2 claims1996: 4 claims1997: 21 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 1 claim2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199519961997
19952026
28
paid claims since 1995
$261K
paid to owners
2
homes flooded more than once
$9K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Eagle Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Jackson County.
What’s been done with FEMA grants
2flood-prone homes bought out and moved
2homes raised above flood level
Disasters

2 federal disasters brought FEMA money to Eagle Point

Disasters that paid out in Eagle Point itself (aid to households or repair grants to the City of Eagle Point), newest first, with that year’s flood claims.

  1. 2020Wildfires and Straight-line Winds141 households applied for aid$408K aid approved
  2. 2005Severe Storms, Flooding, Landslides, and Mudslides$47K to the City of Eagle Point for repairs1 flood claim paid that year
Disasters declared, by decade
Paid out in Eagle PointJackson County only

Jackson County has had 7 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 Jackson County, 2002–2026.

Were you here?

Old photos of Eagle Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Eagle Point archive →
Be ready

Get ready for what Eagle Point faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Wildfire
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Eagle Point

Is Eagle Point at risk for natural disasters?

On FEMA’s National Risk Index, Eagle Point has lower expected damage per building than 54% of U.S. towns: B− for hazard risk, #23 of 142 in Oregon. Most of the expected damage is river and rain flooding (65%) and earthquakes (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Eagle Point flood?

Flood insurance has paid 28 claims in Eagle Point since 1995, $261K in all, or 7.1 per 1,000 homes, more than 67% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.

Is Eagle Point 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 Jackson County, 28% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Eagle Point?

FEMA’s Community Rating System list shows no discount for Eagle Point’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 Eagle Point?

By FEMA money that reached Eagle Point, Wildfires and Straight-line Winds (2020): 141 households applied for aid, $408K approved.

Is Eagle Point at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (65%), and Eagle Point’s rate for it is lower than 53% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Eagle Point.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eagle Point’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.