Wallace and Glenn Potter House · Photo: Visitor7 · CC BY-SA 3.0FEMA expects more hazard damage per building in River Road than in 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, River Road gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns, #138 of 142 in Oregon. Most of that expected damage is river and rain flooding (81%), then earthquakes (19%). 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 River Road 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 River Road’s grade
River and rain flooding is 81% of the building damage FEMA expects in River Road, and River Road’s rate of river and rain flooding damage is in the top 3% of U.S. census tracts. Next is earthquakes at 19% (higher than 87% of U.S. census tracts).
D #138 of 142 in Oregon; higher expected damage per building than 94% of U.S. towns (21,298).
River Road’s residents live in 4 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, River Road has more expected damage per building than 97% of Oregon towns.
In dollars, FEMA expects about $5.6M a year in losses across River Road: $4.8M to buildings, the rest to people and crops.
Does River Road flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in River Road. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
River Road isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lane County.The storms River Road remembers
None of the 18 disasters declared for Lane County shows FEMA aid or repair money reaching River Road itself in FEMA’s records, so these are its biggest flood-claim years.
Lane County has had 18 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Lane County, 2020–2022.
River Road and its neighbors
River Road is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Eugene | Cmore damage than 70% | river and rain flooding | 10 |
| Santa Clara | C−more damage than 77% | river and rain flooding | — |
| River Road | Dmore damage than 94% | river and rain flooding | 0 |
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 River Road 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 River Road
Is River Road at risk for natural disasters?
On FEMA’s National Risk Index, River Road has higher expected damage per building than 94% of U.S. towns: D for hazard risk, #138 of 142 in Oregon. Most of the expected damage is river and rain flooding (81%) and earthquakes (19%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is River Road 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 Lane County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.6% of all homes do.
How much is flood insurance in River Road?
FEMA’s Community Rating System list shows no discount for River Road’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is River Road at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and River Road’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in River Road.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where River Road’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.