Photo: Visitor7 · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Roseburg North as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Roseburg North gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns, #32 of 142 in Oregon. Most of that expected damage is river and rain flooding (77%), then earthquakes (22%). 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 Roseburg North 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 Roseburg North’s grade
River and rain flooding is 77% of the building damage FEMA expects in Roseburg North, and Roseburg North’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Next is earthquakes at 22% (higher than 82% of U.S. census tracts).
C+ #32 of 142 in Oregon; higher expected damage per building than 56% of U.S. towns (21,298).
Roseburg North’s residents live in 2 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, Roseburg North has less expected damage per building than 78% of Oregon towns.
In dollars, FEMA expects about $2.4M a year in losses across Roseburg North: $1.8M to buildings, the rest to people and crops.
Does Roseburg North flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Roseburg North. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Roseburg North isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Douglas County.The storms Roseburg North remembers
None of the 18 disasters declared for Douglas County shows FEMA aid or repair money reaching Roseburg North itself in FEMA’s records, so these are its biggest flood-claim years.
Douglas 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 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Douglas County, 2004–2020.
Roseburg North and its neighbors
Roseburg North has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Roseburg North | C+more damage than 56% | river and rain flooding | 0 |
| Roseburg | C−more damage than 84% | river and rain flooding | 30 |
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 Roseburg North 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 Roseburg North
Is Roseburg North at risk for natural disasters?
On FEMA’s National Risk Index, Roseburg North has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk, #32 of 142 in Oregon. Most of the expected damage is river and rain flooding (77%) and earthquakes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Roseburg North 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 Douglas County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.8% of all homes do.
How much is flood insurance in Roseburg North?
FEMA’s Community Rating System list shows no discount for Roseburg North’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Roseburg North at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Roseburg North’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Roseburg North.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Roseburg North’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.