Photo: Ian Poellet · CC BY-SA 4.0More hazard damage per building is expected in Myrtle Point than in 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Myrtle Point gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns. Most of that expected damage is river and rain flooding (67%), then earthquakes (32%). Flood insurance has paid 9 claims here since 1981.
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 Myrtle 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
Earthquakes
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 Myrtle Point’s grade
River and rain flooding is 67% of the building damage FEMA expects in Myrtle Point, and Myrtle Point’s rate of river and rain flooding damage is in the top 4% of U.S. census tracts. Earthquakes add 32%, at a rate in the top 8% of U.S. census tracts.
D− higher expected damage per building than 96% of U.S. towns (21,298).
Myrtle Point’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $3.3M a year in losses across Myrtle Point: $2.6M to buildings, the rest to people and crops.
Does Myrtle Point flood? Rarely: 9 flood claims since 1981
Every paid claim on a federal flood insurance policy in Myrtle Point, from FEMA’s records: 7.2 per 1,000 homes, more than 68% of the 13,809 U.S. towns with a flood insurance record.
Myrtle 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: Coos County.2 federal disasters brought FEMA money to Myrtle Point
Disasters that paid out in Myrtle Point itself (aid to households or repair grants to the City of Myrtle Point), newest first, with that year’s flood claims.
- 2025Severe Storms, Flooding, Landslides, and Mudslides$45K to the City of Myrtle Point for repairs1 flood claim paid that year
- 2002Severe Winter Storm with High Winds$1K to the City of Myrtle Point for repairs
Coos County has had 16 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.
Old photos of Myrtle Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Myrtle Point archive →Get ready for what Myrtle 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.
- 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.
- 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 Myrtle Point
Is Myrtle Point at risk for natural disasters?
On FEMA’s National Risk Index, Myrtle Point has higher expected damage per building than 96% of U.S. towns: D− for hazard risk. Most of the expected damage is river and rain flooding (67%) and earthquakes (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Myrtle Point flood?
Flood insurance has paid 9 claims in Myrtle Point since 1981, $113K in all, or 7.2 per 1,000 homes, more than 68% of U.S. towns with a flood insurance record.
Is Myrtle 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 Coos County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Myrtle Point?
FEMA’s Community Rating System list shows no discount for Myrtle 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 Myrtle Point?
By FEMA money that reached Myrtle Point, Severe Storms, Flooding, Landslides, and Mudslides (2025): $45K to the City of Myrtle Point for repairs.
Is Myrtle Point at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Myrtle Point’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Myrtle Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Myrtle 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.