Photo: Sam Beebe · CC BY 2.0FEMA puts Enterprise’s expected hazard damage per building above that of 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Enterprise gets a D for hazard risk: higher expected damage per building than 90% of U.S. towns. Most of that expected damage is river and rain flooding (79%), then wildfire (19%). 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 Enterprise 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
Wildfire
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 Enterprise’s grade
River and rain flooding is 79% of the building damage FEMA expects in Enterprise, and Enterprise’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts. Wildfire adds 19%, at a rate in the top 2% of U.S. census tracts.
D higher expected damage per building than 90% of U.S. towns (21,298).
All of Enterprise’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $2.6M a year in losses across Enterprise: $1.9M to buildings, the rest to people and crops.
Does Enterprise flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Enterprise. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Enterprise isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wallowa County.The storms Enterprise remembers
None of the 7 disasters declared for Wallowa County shows FEMA aid or repair money reaching Enterprise itself in FEMA’s records, so these are its biggest flood-claim years.
Wallowa County has had 7 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Wallowa County, 2015–2015.
Get ready for what Enterprise 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.
- 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.
- 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 Enterprise
Is Enterprise at risk for natural disasters?
On FEMA’s National Risk Index, Enterprise has higher expected damage per building than 90% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (79%) and wildfire (19%). 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.
Is Enterprise 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 Wallowa County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Enterprise?
FEMA’s Community Rating System list shows no discount for Enterprise’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Enterprise at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Enterprise’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Enterprise.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Enterprise’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.