Short answer: Oregon property policies generally exclude flood. Check FEMA maps, then buy NFIP or private flood coverage. Oregon's Department of Land Conservation and Development provides technical assistance, training and guidance for local floodplain management and NFIP participation.
This guide is general information for Oregon property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
Maps and coverage
Use FEMA's Flood Map Service Center. Coastal, riverine and atmospheric-river flooding all matter in Oregon. Buy ahead of the wet season through FloodSmart. Most new NFIP policies have a 30-day waiting period.
DLCD NFIP program
The Oregon Department of Land Conservation and Development coordinates the NFIP in Oregon. DLCD provides technical assistance, training and guidance for local floodplain management and community participation. DLCD does not set FEMA policy or decide FEMA map appeals; communities and residents may contact FEMA directly for those decisions. Start with DLCD for ordinance and community questions, and with FloodSmart or your agent for policy quotes.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Oregon.
Frequently asked questions
Who coordinates the NFIP in Oregon?
The Oregon Department of Land Conservation and Development.
What's the usual NFIP waiting period in Oregon?
30 days for most new policies.
Do Oregon homeowners policies cover flood?
Generally no. Buy NFIP or private flood coverage separately.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.