St. John the Evangelist Roman Catholic Church · Photo: Michael Gudge · Public domainFEMA puts Mount Hood Villages’s expected hazard damage per building above that of 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mount Hood Villages gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns, #136 of 142 in Oregon. Most of that expected damage is river and rain flooding (78%). Flood insurance has paid 18 claims here since 1995.
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 Mount Hood Villages 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
Earthquakes
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 Mount Hood Villages’ grade
River and rain flooding is 78% of the building damage FEMA expects in Mount Hood Villages, and Mount Hood Villages’ rate of river and rain flooding damage is in the top 3% of U.S. census tracts. Wildfire adds 8%, at a rate in the top 4% of U.S. census tracts.
D #136 of 142 in Oregon; higher expected damage per building than 94% of U.S. towns (21,298).
Mount Hood Villages’ residents live in 3 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, Mount Hood Villages has more expected damage per building than 96% of Oregon towns.
In dollars, FEMA expects about $7.1M a year in losses across Mount Hood Villages: $4.1M to buildings, the rest to people and crops.
Does Mount Hood Villages flood? Sometimes: 18 flood claims since 1995
Every paid claim on a federal flood insurance policy in Mount Hood Villages, from FEMA’s records: 5.7 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- The Winter storm1 claim · $7K
Mount Hood Villages isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clackamas County.The storms Mount Hood Villages remembers
None of the 15 disasters declared for Clackamas County shows FEMA aid or repair money reaching Mount Hood Villages itself in FEMA’s records, so these are its biggest flood-claim years.
- 19966 flood claims paidThe year of High Winds, Severe Storms and Flooding, declared for Clackamas County
- 20113 flood claims paidThe year of Severe Winter Storm, Flooding, Mudslides, Landslides, and Debris Flows, declared for Clackamas County
- 20253 flood claims paidThe year of Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides, declared for Clackamas County
Clackamas County has had 15 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 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Clackamas County, 2014–2022.
Old photos of Mount Hood Villages after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mount Hood Villages archive →Mount Hood Villages and its neighbors
Mount Hood Villages has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mount Hood Villages | Dmore damage than 94% | river and rain flooding | 18 |
| Rhododendron | — | 214 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Mount Hood Villages 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Mount Hood Villages
Is Mount Hood Villages at risk for natural disasters?
On FEMA’s National Risk Index, Mount Hood Villages has higher expected damage per building than 94% of U.S. towns: D for hazard risk, #136 of 142 in Oregon. Most of the expected damage is river and rain flooding (78%) and earthquakes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mount Hood Villages flood?
Flood insurance has paid 18 claims in Mount Hood Villages since 1995, $786K in all, or 5.7 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. The most claims came from Winter storm (1).
Is Mount Hood Villages 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 Clackamas County, 41% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Mount Hood Villages?
FEMA’s Community Rating System list shows no discount for Mount Hood Villages’ 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 Mount Hood Villages?
By flood claims, Winter storm: 1 paid, $7K.
Is Mount Hood Villages at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Mount Hood Villages’ rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mount Hood Villages.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mount Hood Villages’ 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.