Guest, Sign inJoin

Post to Garibaldi

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
Oregon GaribaldiPhoto: Franco Folini · CC BY 2.5
–Not graded
Natural hazards in Garibaldi · FEMA

Storms, floods and disasters in Garibaldi

Garibaldi isn’t graded for hazard risk: Garibaldi has 796 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 2004.

Flood claims
2
paid since 2004 · $28K
Disasters paid out here
3
of 20 declared for Tillamook County
By hazard

What Garibaldi faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Earthquakes

38%of expected building damage
Well above average · in the top 7% of U.S. census tracts

River and rain flooding

37%of expected building damage
Well above average · higher than 81% of U.S. census tracts
Recorded about once a year in the area

Tsunamis

23%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Smaller shares here
 Coastal flooding top 4% Strong wind Tornadoes Hail Wildfire Winter storms Ice storms Cold waves Heat waves Landslides Lightning Avalanches top 1% Volcanic activity top 2%
FEMA models no building damage here
Hurricanes
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tsunamis at 57% of Garibaldi’s expected losses. Tsunamis do little damage to buildings (23.2%), 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.
Flood insurance claims

Does Garibaldi flood? Rarely: 2 flood claims since 2004

Every paid claim on a federal flood insurance policy in Garibaldi, from FEMA’s records.

Paid flood claims, by year
2004: 1 claim2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 1 claim2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20042015
20042026
2
paid claims since 2004
$28K
paid to owners
0
homes flooded more than once
$14K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Tillamook County.
Disasters

3 federal disasters brought FEMA money to Garibaldi

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

  1. 2015Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides$205K to the City of Garibaldi for repairs1 flood claim paid that year
  2. 2007Severe Storms, Flooding, Landslides, and Mudslides33 households applied for aid$24K aid approved$21K to the City of Garibaldi for repairs
  3. 2006Severe Winter Storm and Flooding$9K to the City of Garibaldi for repairs
Disasters declared, by decade
Paid out in GaribaldiTillamook County only

Tillamook County has had 20 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Tillamook County, 2020–2020.

Were you here?

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

Add to the Garibaldi archive →
Be ready

Get ready for what Garibaldi faces

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

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 ↗
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 ↗
Tsunamis
  • Strong shaking or a sudden drop in the sea means head for high ground now.
  • Learn the tsunami route signs near the shore.
  • Stay away until officials say it’s safe.
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 Garibaldi

Does Garibaldi flood?

Flood insurance has paid 2 claims in Garibaldi since 2004, $28K in all.

Is Garibaldi 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 Tillamook County, 30% of homes in mapped flood zones carry federal flood insurance, and 5.7% of all homes do.

How much is flood insurance in Garibaldi?

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

By FEMA money that reached Garibaldi, Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (2015): $205K to the City of Garibaldi for repairs.

Storm stories

Memories, warnings and help from neighbors in Garibaldi.

Town Square →
Start the conversation

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