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Stanfield Oregon water towerPhoto: Tedder · CC BY 3.0
B+Hazard risk
Natural hazards in Stanfield · FEMA

Less hazard damage per building is expected in Stanfield than in 68% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Stanfield gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (79%), then earthquakes (14%). Flood insurance has paid 8 claims here since 1979.

River and rain flooding 79%Earthquakes 14%Wildfire 6%

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

less than 68%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Oregon · lower than 68% of U.S. towns
Main hazard
River and rain flooding
79% of expected building damage
Flood claims
8
paid since 1979 · $83K
Disasters paid out here
1
of 8 declared for Umatilla County

What stands out about Stanfield’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 68% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Moved out of harm’s way15 flood-prone properties bought out and cleared; 1 flood-prone home bought out and moved with FEMA grants.
By hazard

What Stanfield 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

79%of expected building damage
About average · lower than 50% of U.S. census tracts
Recorded about once every 2 years in the area

Earthquakes

14%of expected building damage
Above average · higher than 78% of U.S. census tracts

Wildfire

6%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Smaller shares here
 Strong wind Tornadoes Hail Lightning Winter storms Ice storms Cold waves Heat waves Landslides Volcanic activity top 3%
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 25% of Stanfield’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Stanfield’s grade

River and rain flooding is 79% of the building damage FEMA expects in Stanfield, and Stanfield’s rate of river and rain flooding damage is lower than 50% of U.S. census tracts. Wildfire adds 6%, at a rate in the top 7% of U.S. census tracts.

Where Stanfield sits
Stanfield
Least damageMiddleMost damage

B+ lower expected damage per building than 68% of U.S. towns (21,298).

All of Stanfield’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding79%Earthquakes14%Wildfire6%Everything else1%

In dollars, FEMA expects about $1.1M a year in losses across Stanfield: $567K to buildings, the rest to people and crops.

Shared tract.All of Stanfield’s 2,144 residents (2020 census) live in one census tract, which it shares with Echo city (632 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Stanfield flood? Rarely: 8 flood claims since 1979

Every paid claim on a federal flood insurance policy in Stanfield, from FEMA’s records: 9.4 per 1,000 homes, more than 73% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 5 claims1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 1 claim1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 1 claim2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 1 claim2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims197919852005
19792026
8
paid claims since 1979
$83K
paid to owners
0
homes flooded more than once
$10K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Stanfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Umatilla County.
What’s been done with FEMA grants
15flood-prone properties bought out and cleared
1flood-prone home bought out and moved
Disasters

1 federal disaster brought FEMA money to Stanfield

Disasters that paid out in Stanfield itself (aid to households or repair grants to the City of Stanfield), newest first, with that year’s flood claims.

  1. 2020Severe Storms, Flooding, Landslides, and Mudslides14 households applied for aid$125K aid approved$39K to the City of Stanfield for repairs1 flood claim paid that year
Disasters declared, by decade
Paid out in StanfieldUmatilla County only

Umatilla County has had 8 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Umatilla County, 2001–2026.

Were you here?

Old photos of Stanfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Stanfield archive →
Be ready

Get ready for what Stanfield faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Wildfire
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Stanfield

Is Stanfield at risk for natural disasters?

On FEMA’s National Risk Index, Stanfield has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (79%) and earthquakes (14%). 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.

Does Stanfield flood?

Flood insurance has paid 8 claims in Stanfield since 1979, $83K in all, or 9.4 per 1,000 homes, more than 73% of U.S. towns with a flood insurance record.

Is Stanfield 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 Umatilla County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.

How much is flood insurance in Stanfield?

FEMA’s Community Rating System list shows no discount for Stanfield’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 Stanfield?

By FEMA money that reached Stanfield, Severe Storms, Flooding, Landslides, and Mudslides (2020): 14 households applied for aid, $125K approved, and $39K to the City of Stanfield for repairs.

Is Stanfield at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (79%), and Stanfield’s rate for it is lower than 50% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Stanfield.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stanfield’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.