Photo: Jo Levine · CC BY 2.0For wildfire, Vale’s building-damage rate is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Vale gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (78%), then wildfire (14%). Flood insurance has paid 7 claims here since 1978.
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 Vale 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
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 Vale’s grade
River and rain flooding is 78% of the building damage FEMA expects in Vale, and Vale’s rate of river and rain flooding damage is higher than 66% of U.S. census tracts. Wildfire adds 14%, at a rate in the top 4% of U.S. census tracts.
B− higher expected damage per building than 52% of U.S. towns (21,298).
All of Vale’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $802K a year in losses across Vale: $712K to buildings, the rest to people and crops.
Does Vale flood? Rarely: 7 flood claims since 1978
Every paid claim on a federal flood insurance policy in Vale, from FEMA’s records: 7.6 per 1,000 homes, more than 69% of the 13,809 U.S. towns with a flood insurance record.
Vale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Malheur County.The storms Vale remembers
None of the 3 disasters declared for Malheur County shows FEMA aid or repair money reaching Vale itself in FEMA’s records, so these are its biggest flood-claim years.
- 19793 flood claims paidNo declaration for the county that year
- 19822 flood claims paidNo declaration for the county that year
- 19781 flood claims paidNo declaration for the county that year
Malheur County has had 3 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 Malheur County, 2024–2024.
Old photos of Vale after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Vale archive →Get ready for what Vale 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.
- 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 Vale
Is Vale at risk for natural disasters?
On FEMA’s National Risk Index, Vale has higher expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (78%) and wildfire (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 Vale flood?
Flood insurance has paid 7 claims in Vale since 1978, $13K in all, or 7.6 per 1,000 homes, more than 69% of U.S. towns with a flood insurance record.
Is Vale 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 Malheur County, 0.5% of all homes carry federal flood insurance.
How much is flood insurance in Vale?
FEMA’s Community Rating System list shows no discount for Vale’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Vale at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Vale’s rate for it is higher than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Vale.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Vale’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.