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Natural hazard risk in Clackamas County, Oregon

Updated October 30, 2026. Based on FEMA, NOAA and OpenFEMA data. Published by Humblebee.

FEMA overall Risk Index rating: Relatively High (score 94.8 of 100)[5]

Expected annual loss (FEMA)
$219.1 million[1]
Federal disaster declarations since 1964
21[2]
NFIP flood claims paid, 1978 to 2026
$24.6 million[3]
Tornadoes recorded, 1950 to 2024
7[4]

FEMA's National Risk Index (version 1.20, December 2025) gives Clackamas County an overall Risk Index rating of Relatively High compared with other US counties[5]. The hazards with the highest FEMA scores within the county are earthquake, landslide and volcanic activity[6].

FEMA risk ratings for each hazard

Ratings and expected losses from the FEMA National Risk Index. Each rating compares this county with all US counties for that hazard, from Very Low to Very High. They are planning estimates, not predictions, and they do not describe any single property.

FEMA estimates Expected Annual Loss from all 18 natural hazards in Clackamas County at $219.1 million a year[1]. FEMA's sorted values show the largest parts come from earthquake ($108.5 million a year), inland flooding ($76.6 million a year) and cold wave ($15.0 million a year)[7]. Expected Annual Loss is FEMA's estimate of average yearly loss, and the index is not meant to predict next year's damage[8]. FEMA rates Social Vulnerability for the county Very Low[9]. FEMA describes this as how susceptible social groups are to harm from natural hazards[9]. FEMA rates Community Resilience Relatively High[10]. This describes a community's ability to prepare for, withstand and recover from hazards[10].

Hazards sorted by FEMA hazard-type Risk Index score, highest first
HazardFEMA risk ratingExpected annual loss
EarthquakeRelatively High$108.5 million[11]
LandslideRelatively Moderate$210,000[12]
Volcanic ActivityRelatively Moderate$495,000[13]
Heat WaveRelatively Moderate$8.5 million[14]
Cold WaveRelatively High$15.0 million[15]
Inland FloodingRelatively High$76.6 million[16]
Strong WindRelatively High$3.3 million[17]
Ice StormRelatively High$1.3 million[18]
WildfireRelatively Low$1.1 million[19]
AvalancheRelatively High$1.5 million[20]
Winter WeatherRelatively High$368,000[21]
LightningRelatively High$1.1 million[22]
TornadoRelatively Low$1.0 million[23]
HailVery Low$165,000[24]
Coastal FloodingVery Low$200[25]
DroughtVery Low$378[26]

Rated Not Applicable by FEMA for this county: hurricane, tsunami[27].

Social vulnerability and community resilience

FEMA uses these two ratings to scale expected losses into the Risk Index.

FEMA measureRatingScore
Social vulnerabilityVery Low13.3[9]
Community resilienceRelatively High69.0[10]

Flooding and flood insurance

FEMA rates inland flooding risk Relatively High for Clackamas County, with an Expected Annual Loss of $76.6 million a year[16]. FEMA rates coastal flooding Very Low[25]. OpenFEMA data as of 2026-08-03 show that 40.8% of residential structures inside the mapped Special Flood Hazard Area have flood insurance contracts[28]. NFIP received 816 claims for losses in the county from 1978 to 2026, and paid $24.6 million in total[3]. County ratings do not give the flood zone of a single address. FEMA's Flood Map Service Center is the place to look up an address[29].

Measure Value
Inland Flooding, FEMA risk rating[16] Relatively High, $76.6 million expected loss a year
Coastal Flooding, FEMA risk rating[25] Very Low, $200 expected loss a year
NFIP residential flood policies in force (2026)[28] 1,263 of 143,536 homes
Homes in FEMA's mapped high-risk flood area (SFHA)[28] 1,926, of which 786 insured
NFIP flood claims, 1978 to 2026[3] 816 filed, $24.6 million paid

Is a specific address in a flood zone? Only FEMA's flood maps answer that, property by property[29]. This page describes the whole county.

Search an address on the FEMA Flood Map Service Center

Disaster declarations and tornado records

OpenFEMA lists 21 federal disaster declarations for natural hazards that include Clackamas County since 1964[2]. By incident type, these include severe storm 8, fire 7 and flood 4[2]. The most recent in the facts was DR-4907-OR, declared 2026-04-07[30]. NOAA's tornado database records 7 tornadoes touching the county from 1950 to 2024, and none were rated F3/EF3 or stronger[4].

Federal disaster declarations for natural hazards that include Clackamas County, since 1964
Incident type Declarations
Severe Storm[2] 8
Fire[2] 7
Flood[2] 4
Coastal Storm[2] 1
Earthquake[2] 1
Most recent declarations
Declaration Incident Declared
DR-4907-OR[30] Severe Storms, Straight-Line Winds, Flooding, Landslides, And Mudslides 2026-04-07
DR-4768-OR[30] Severe Winter Storms, Straight-Line Winds, Landslides, And Mudslides 2024-04-13
FM-5454-OR[30] Milo Mciver Fire 2022-09-10
DR-4599-OR[30] Severe Winter Storm 2021-05-04
DR-4562-OR[30] Wildfires And Straight-Line Winds 2020-09-15

How to prepare

Steps from Ready.gov, FEMA's preparedness site, for the hazards with the highest FEMA ratings here. Follow instructions from local officials and the National Weather Service when a warning is issued.

Earthquakes

Before

  • Practice Drop, Cover, and Hold On with your family and coworkers.
  • Sign up for earthquake alerts that can warn you before shaking starts.
  • Make a plan with an out-of-state contact and a place to meet if you get separated.
  • Anchor heavy items such as bookcases, refrigerators and water heaters, and keep heavy things on low shelves.
  • Consider earthquake insurance. Standard homeowners policies do not cover earthquake damage.

During

  • Drop to your hands and knees, cover your head and neck, and hold on until the shaking stops.
  • Indoors, stay where you are and avoid doorways. Outdoors, move to an open area away from buildings and power lines.
  • If you are driving, pull over, stop and set the parking brake.

Source: Ready.gov, earthquakes

Extreme heat

Before

  • Learn the signs of heat illness and how to respond.
  • Do not rely on a fan as your main way to stay cool. Fans do not lower body temperature.
  • Find cool public places, such as libraries or malls, or ask your local health department.
  • Keep heat out with window shades, weather stripping and insulation.
  • If you cannot afford cooling costs, contact LIHEAP for help.

During

  • Never leave a person or an animal in a parked car in warm weather.
  • If your home has no air conditioning, go to a cooling center.
  • Wear light, loose clothing, drink plenty of fluids and avoid hard outdoor work in the middle of the day.

Source: Ready.gov, extreme heat

Winter storms and cold

Before

  • Insulate your home and learn how to keep pipes from freezing.
  • Install and test smoke and carbon monoxide detectors with battery backup.
  • Keep several days of supplies in case the power goes out, including medication and pet needs.
  • Put an emergency kit in your car with jumper cables, sand, blankets, water and snacks, and keep the tank full.

During

  • Under a winter storm warning, find shelter right away.
  • Stay off the roads if you can. If you are stuck in your car, stay inside it.
  • Run generators and grills only outdoors, away from windows, and never heat your home with an oven or stove.

Source: Ready.gov, winter storms and cold

Questions people ask

Is Clackamas County at risk of flooding?
FEMA rates inland flooding risk Relatively High compared with other US counties, with an Expected Annual Loss of $76.6 million a year[16]. FEMA rates coastal flooding Very Low[25].
Is Clackamas County at risk of earthquakes?
FEMA rates earthquake risk Relatively High for Clackamas County, with a score of 98.6 out of 100[11]. FEMA lists earthquake Expected Annual Loss at $108.5 million a year[11].
Does Clackamas County get tornadoes?
NOAA's tornado database records 7 tornadoes touching the county from 1950 to 2024[4]. FEMA rates tornado risk Relatively Low compared with other US counties[23].
How many disasters have been declared in Clackamas County?
OpenFEMA lists 21 federal disaster declarations for natural hazards that include the county since 1964[2].
How can I check my flood zone in Clackamas County?
Look up the address in FEMA's Flood Map Service Center or ask the local floodplain manager[29]. County-level ratings do not give the flood zone of one address[29].

Facts and sources

  1. FEMA National Risk Index (version 1.20, December 2025): Expected Annual Loss from all 18 natural hazards in Clackamas County is $219.1 million a year (Expected Annual Loss rating Relatively High, score 96.3). Of this, buildings account for $152.8 million, injuries and deaths (converted to dollars by FEMA) for $66.2... FEMA National Risk Index
  2. OpenFEMA Disaster Declarations Summaries list 21 federal disaster declarations for natural hazards that include Clackamas County since 1964 (14 major disaster, 7 emergency or fire management). By incident type: severe storm 8, fire 7, flood 4, coastal storm 1, earthquake 1. Biological (such as COVID-19) and other... OpenFEMA Disaster Declarations
  3. HazardFacts tally of OpenFEMA NFIP Redacted Claims (losses from 1978 to 2026): 816 National Flood Insurance Program claims were filed for losses in Clackamas County, 659 of them with a payment, and NFIP paid $24.6 million in total (building, contents and increased cost of compliance, in dollars of the year paid).... OpenFEMA NFIP claims
  4. NOAA Storm Prediction Center tornado database (1950 to 2024): 7 recorded tornadoes touched Clackamas County. The strongest were rated F1 (most recent of them on 2000-10-09). 0 were rated F3/EF3 or stronger. The most recent recorded tornado was on 2022-10-22. Ratings used the Fujita scale until early 2007 and the... NOAA Storm Prediction Center
  5. FEMA National Risk Index (version 1.20, December 2025): the overall natural hazard Risk Index rating for Clackamas County is Relatively High, with a Risk Index score of 94.8 out of 100. The score is the county's percentile rank among all US counties. FEMA National Risk Index
  6. Among the 18 hazards in the FEMA National Risk Index (version 1.20, December 2025), the hazards with the highest hazard-type Risk Index scores for Clackamas County are earthquake (98.6, Relatively High), landslide (95.8, Relatively Moderate), volcanic activity (95.7, Relatively Moderate). HazardFacts sorted FEMA's... FEMA National Risk Index
  7. HazardFacts sorted FEMA's hazard-type Expected Annual Loss values for Clackamas County (National Risk Index v1.20): the largest are earthquake ($108.5 million a year), inland flooding ($76.6 million a year), cold wave ($15.0 million a year), out of $219.1 million a year from all 18 hazards. FEMA National Risk Index
  8. FEMA's National Risk Index FAQ (December 2025): Expected Annual Loss is FEMA's estimate of the average economic loss in dollars from natural hazards each year. The index is not meant to predict how much damage a community will have in the next year, and a hazard can still cause damage where a rating is low. Scores... FEMA National Risk Index documentation
  9. FEMA National Risk Index (version 1.20, December 2025): Social Vulnerability rating for Clackamas County is Very Low (score 13.3). FEMA describes social vulnerability as how susceptible social groups are to the harm natural hazards cause. FEMA National Risk Index
  10. FEMA National Risk Index (version 1.20, December 2025): Community Resilience rating for Clackamas County is Relatively High (score 69.0). FEMA describes community resilience as a community's ability to prepare for, withstand and recover from hazards. FEMA National Risk Index
  11. FEMA National Risk Index (version 1.20, December 2025), earthquake in Clackamas County: Risk Index rating Relatively High (score 98.6 of 100). Expected Annual Loss $108.5 million a year (rating Relatively High). FEMA's modeled annual frequency is 0.015 events per year. FEMA National Risk Index
  12. FEMA National Risk Index (version 1.20, December 2025), landslide in Clackamas County: Risk Index rating Relatively Moderate (score 95.8 of 100). Expected Annual Loss $210,000 a year (rating Relatively Moderate). FEMA National Risk Index
  13. FEMA National Risk Index (version 1.20, December 2025), volcanic activity in Clackamas County: Risk Index rating Relatively Moderate (score 95.7 of 100). Expected Annual Loss $495,000 a year (rating Relatively Moderate). FEMA National Risk Index
  14. FEMA National Risk Index (version 1.20, December 2025), heat wave in Clackamas County: Risk Index rating Relatively Moderate (score 95.4 of 100). Expected Annual Loss $8.5 million a year (rating Relatively Moderate). Annualized frequency 4.92 event-days per year, from recorded occurrences over a period of record of... FEMA National Risk Index
  15. FEMA National Risk Index (version 1.20, December 2025), cold wave in Clackamas County: Risk Index rating Relatively High (score 95.1 of 100). Expected Annual Loss $15.0 million a year (rating Relatively High). Annualized frequency 0.38 event-days per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  16. FEMA National Risk Index (version 1.20, December 2025), inland flooding in Clackamas County: Risk Index rating Relatively High (score 93.7 of 100). Expected Annual Loss $76.6 million a year (rating Relatively High). Annualized frequency 0.93 event-days per year, from recorded occurrences over a period of record of... FEMA National Risk Index
  17. FEMA National Risk Index (version 1.20, December 2025), strong wind in Clackamas County: Risk Index rating Relatively High (score 93.3 of 100). Expected Annual Loss $3.3 million a year (rating Relatively High). Annualized frequency 0.08 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  18. FEMA National Risk Index (version 1.20, December 2025), ice storm in Clackamas County: Risk Index rating Relatively High (score 90.8 of 100). Expected Annual Loss $1.3 million a year (rating Relatively High). Annualized frequency 1.11 event-days per year, from recorded occurrences over a period of record of 68 years. FEMA National Risk Index
  19. FEMA National Risk Index (version 1.20, December 2025), wildfire in Clackamas County: Risk Index rating Relatively Low (score 86.7 of 100). Expected Annual Loss $1.1 million a year (rating Relatively Moderate). FEMA's modeled annual frequency is 0.0006 events per year. FEMA National Risk Index
  20. FEMA National Risk Index (version 1.20, December 2025), avalanche in Clackamas County: Risk Index rating Relatively High (score 86.5 of 100). Expected Annual Loss $1.5 million a year (rating Relatively Moderate). Annualized frequency 0.13 events per year, from recorded occurrences over a period of record of 28 years. FEMA National Risk Index
  21. FEMA National Risk Index (version 1.20, December 2025), winter weather in Clackamas County: Risk Index rating Relatively High (score 85.4 of 100). Expected Annual Loss $368,000 a year (rating Relatively High). Annualized frequency 26.07 events per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  22. FEMA National Risk Index (version 1.20, December 2025), lightning in Clackamas County: Risk Index rating Relatively High (score 83.1 of 100). Expected Annual Loss $1.1 million a year (rating Relatively High). Annualized frequency 8.43 events per year, from recorded occurrences over a period of record of 24 years. FEMA National Risk Index
  23. FEMA National Risk Index (version 1.20, December 2025), tornado in Clackamas County: Risk Index rating Relatively Low (score 38.1 of 100). Expected Annual Loss $1.0 million a year (rating Relatively Low). Annualized frequency 0.15 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  24. FEMA National Risk Index (version 1.20, December 2025), hail in Clackamas County: Risk Index rating Very Low (score 31.6 of 100). Expected Annual Loss $165,000 a year (rating Relatively Low). Annualized frequency 0.13 events per year, from recorded occurrences over a period of record of 37 years. FEMA National Risk Index
  25. FEMA National Risk Index (version 1.20, December 2025), coastal flooding in Clackamas County: Risk Index rating Very Low (score 18.8 of 100). Expected Annual Loss $200 a year (rating Very Low). FEMA's modeled annual frequency is 0.315 events per year. FEMA National Risk Index
  26. FEMA National Risk Index (version 1.20, December 2025), drought in Clackamas County: Risk Index rating Very Low (score 14.1 of 100). Expected Annual Loss $378 a year (rating Very Low). Annualized frequency 6.8 event-days per year, from recorded occurrences over a period of record of 22 years. FEMA National Risk Index
  27. FEMA National Risk Index (version 1.20, December 2025) rates these hazards Not Applicable for Clackamas County: hurricane, tsunami. FEMA uses Not Applicable when its source data has no historical record of the hazard in the community and the hazard is not considered geographically possible there. FEMA National Risk Index documentation
  28. NFIP Residential Penetration Rates (OpenFEMA, as of 2026-08-03): 1,263 residential flood insurance contracts were in force in Clackamas County, out of 143,536 residential structures, a penetration rate of 0.9%. Inside FEMA's mapped Special Flood Hazard Area there were 1,926 residential structures and 786 contracts,... OpenFEMA NFIP penetration rates
  29. FEMA's Flood Map Service Center is the official public source for flood maps (Flood Insurance Rate Maps) produced under the National Flood Insurance Program. Flood zones apply to specific properties: look up an address there or ask the local floodplain manager. County-level ratings do not tell you the flood zone of... FEMA Flood Map Service Center
  30. Most recent federal disaster declarations for natural hazards (table on this page). OpenFEMA Disaster Declarations

FEMA's National Risk Index compares each county with all other US counties. Ratings are relative (Very Low to Very High), not a measure of safety. Never call a place safe, unsafe, good or bad to live in. Risk Index and Expected Annual Loss values are FEMA estimates for planning. They do not predict next year's losses and do not apply to a single property. Flood zones are set by FEMA flood maps for specific properties. County ratings and flood insurance counts do not tell anyone whether an address is in a flood zone. Disaster declaration, NFIP and tornado counts are records of the past for this county only. Do not compare with other counties unless a fact does.

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties, v1.20 (December 2025). Retrieved from fema.maps.arcgis.com on October 30, 2026. This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.