Charles and Elizabeth Hatch House · Photo: Ian Poellet · CC BY-SA 3.0On FEMA’s figures, Rogue River faces more hazard damage per building than 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Rogue River gets a D− for hazard risk: higher expected damage per building than 98% of U.S. towns. Most of that expected damage is river and rain flooding (62%), then wildfire (27%). Flood insurance has paid 5 claims here since 2005.
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 Rogue River 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
Wildfire
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 Rogue River’s grade
River and rain flooding is 62% of the building damage FEMA expects in Rogue River, and Rogue River’s rate of river and rain flooding damage is in the top 3% of U.S. census tracts. Wildfire adds 27%, at a rate in the top 1% of U.S. census tracts.
D− higher expected damage per building than 98% of U.S. towns (21,298).
Rogue River’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $2.6M a year in losses across Rogue River: $2.3M to buildings, the rest to people and crops.
Does Rogue River flood? Rarely: 5 flood claims since 2005
Every paid claim on a federal flood insurance policy in Rogue River, from FEMA’s records: 3.9 per 1,000 homes, more than 54% of the 13,809 U.S. towns with a flood insurance record.
Rogue River isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jackson County.2 federal disasters brought FEMA money to Rogue River
Disasters that paid out in Rogue River itself (aid to households or repair grants to the City of Rogue River), newest first, with that year’s flood claims.
- 2020Wildfires and Straight-line Winds14 households applied for aid$500 aid approved
- 2005Severe Storms, Flooding, Landslides, and Mudslides$23K to the City of Rogue River for repairs5 flood claims paid that year
Jackson County has had 7 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 11 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Jackson County, 2002–2026.
Old photos of Rogue River after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rogue River archive →Get ready for what Rogue River 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.
- 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.
- 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 Rogue River
Is Rogue River at risk for natural disasters?
On FEMA’s National Risk Index, Rogue River has higher expected damage per building than 98% of U.S. towns: D− for hazard risk. Most of the expected damage is river and rain flooding (62%) and wildfire (27%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Rogue River flood?
Flood insurance has paid 5 claims in Rogue River since 2005, $78K in all, or 3.9 per 1,000 homes, more than 54% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.
Is Rogue River 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 Jackson County, 28% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Rogue River?
FEMA’s Community Rating System list shows no discount for Rogue River’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 Rogue River?
By FEMA money that reached Rogue River, Severe Storms, Flooding, Landslides, and Mudslides (2005): $23K to the City of Rogue River for repairs.
Is Rogue River at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Rogue River’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rogue River.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rogue River’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.