FEMA puts Netarts’s expected hazard damage per building above that of 91% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Netarts gets a D for hazard risk: higher expected damage per building than 91% of U.S. towns. Most of that expected damage is river and rain flooding (51%), then earthquakes (37%). 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 Netarts 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
Coastal flooding
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 Netarts’ grade
River and rain flooding is 51% of the building damage FEMA expects in Netarts, and Netarts’ rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Earthquakes add 37%, at a rate in the top 9% of U.S. census tracts.
D higher expected damage per building than 91% of U.S. towns (21,298).
All of Netarts’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.0M a year in losses across Netarts: $820K to buildings, the rest to people and crops.
Does Netarts flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Netarts. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Netarts 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.1 federal disaster brought FEMA money to Netarts
Disasters that paid out in Netarts itself (aid to households or repair grants to Netarts), newest first, with that year’s flood claims.
- 2007Severe Storms, Flooding, Landslides, and Mudslides8 households applied for aid$25K aid approved
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.
Old photos of Netarts after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Netarts archive →Netarts and its neighbors
Netarts 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 |
|---|---|---|---|
| Netarts | Dmore damage than 91% | river and rain flooding | 0 |
| Oceanside | — | 430 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 Netarts 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Netarts
Is Netarts at risk for natural disasters?
On FEMA’s National Risk Index, Netarts has higher expected damage per building than 91% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (51%) and earthquakes (37%). 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 Netarts 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 Netarts?
FEMA’s Community Rating System list shows no discount for Netarts’ 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 Netarts?
By FEMA money that reached Netarts, Severe Storms, Flooding, Landslides, and Mudslides (2007): 8 households applied for aid, $25K approved.
Is Netarts at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (51%), and Netarts’ rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Netarts.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Netarts’ 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.