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Howards Gristmill 2017 - Mulino OregonPhoto: Ian Poellet · CC BY-SA 4.0
C−Hazard risk
Natural hazards in Mulino · FEMA

More hazard damage per building is expected in Mulino than in 78% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Mulino gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (67%), then earthquakes (30%). Flood insurance has paid 33 claims here since 1996.

River and rain flooding 67%Earthquakes 30%Strong wind 2%

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

more than 78%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Oregon · higher than 78% of U.S. towns
Main hazard
River and rain flooding
67% of expected building damage
Flood claims
33
paid since 1996 · $396K
Disasters paid out here
1
of 15 declared for Clackamas County

What stands out about Mulino’s natural hazards

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

Moved out of harm’s way1 home raised above flood level with FEMA grants.Remembers 199624 flood claims were paid for 1996 alone, the most of any year.
By hazard

What Mulino 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

67%of expected building damage
Above average · higher than 77% of U.S. census tracts
Recorded about once a year in the area

Earthquakes

30%of expected building damage
Well above average · higher than 86% of U.S. census tracts
Smaller shares here
 Strong wind Wildfire Tornadoes Ice storms Hail Winter storms Cold waves Heat waves Landslides Lightning Volcanic activity top 2%
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamis

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 Mulino’s grade

River and rain flooding is 67% of the building damage FEMA expects in Mulino, and Mulino’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Next is earthquakes at 30% (higher than 86% of U.S. census tracts).

Where Mulino sits
Mulino
Least damageMiddleMost damage

C− higher expected damage per building than 78% of U.S. towns (21,298).

All of Mulino’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding67%Earthquakes30%Everything else3%

In dollars, FEMA expects about $1.2M a year in losses across Mulino: $1.0M to buildings, the rest to people and crops.

Shared tract.All of Mulino’s 2,250 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Mulino flood? Sometimes: 33 flood claims since 1996

Every paid claim on a federal flood insurance policy in Mulino, from FEMA’s records: 41.1 per 1,000 homes, more than 91% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 24 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 2 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 1 claim2009: 5 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: 1 claim2026: 0 claims199620032009
19962026
Biggest named events
  • The Winter storm6 claims · $42K
33
paid claims since 1996
$396K
paid to owners
0
homes flooded more than once
$12K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Mulino 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.
What’s been done with FEMA grants
1home raised above flood level
Disasters

1 federal disaster brought FEMA money to Mulino

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

  1. 2020Wildfires and Straight-line Winds38 households applied for aid$12K aid approved
Disasters declared, by decade
Paid out in MulinoClackamas County only

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.

Were you here?

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

Add to the Mulino archive →
Next door

Mulino and its neighbors

Mulino is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Beavercreek: hazard risk B−BeavercreekMulino
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
BeavercreekB−more damage than 52%river and rain flooding7
MulinoC−more damage than 78%river and rain flooding33

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.

Be ready

Get ready for what Mulino 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 ↗
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 Mulino

Is Mulino at risk for natural disasters?

On FEMA’s National Risk Index, Mulino has higher expected damage per building than 78% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (67%) and earthquakes (30%). 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.

Does Mulino flood?

Flood insurance has paid 33 claims in Mulino since 1996, $396K in all, or 41.1 per 1,000 homes, more than 91% of U.S. towns with a flood insurance record. The most claims came from Winter storm (6).

Is Mulino 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 Mulino?

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

By FEMA money that reached Mulino, Wildfires and Straight-line Winds (2020): 38 households applied for aid, $12K approved. By flood claims, Winter storm: 6 paid, $42K.

Is Mulino at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (67%), and Mulino’s rate for it is higher than 77% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Mulino.

Town Square →
Start the conversation

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