Property Atlas

County hazard profile

Lane, OR

Oregon · pop. 382,865 · FIPS 41039

Relatively High
FEMA risk rating · RATING
Earthquake
dominant hazard
$221M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (68th percentile)

national median $15M/yr Lane $221M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 96.41/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 44.59/100
national median ~50 near the national middle (45th percentile)
Community resilienceRelatively High 66.09/100
national median ~50 near the national middle (66th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lane

The National Flood Insurance Program has paid 454 flood-insurance claims totaling $4.2M in Lane since 1978. The costliest year was 1996 ($2.4M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $0 paid 1980: $6,604 paid 1981: $9,875 paid 1983: $0 paid 1984: $9,231 paid 1985: $0 paid 1986: $32,505 paid 1989: $0 paid 1990: $12,571 paid 1992: $0 paid 1993: $500 paid 1995: $15,457 paid 1996: $2,385,694 paid 1997: $903 paid 1998: $64,031 paid 1999: $55,240 paid 2000: $15,830 paid 2002: $33,466 paid 2003: $2,310 paid 2004: $0 paid 2005: $111,871 paid 2006: $21,648 paid 2008: $41,292 paid 2009: $0 paid 2011: $6,374 paid 2012: $935,673 paid 2014: $6,367 paid 2015: $43,675 paid 2016: $0 paid 2017: $2,153 paid 2019: $254,230 paid 2020: $0 paid 2021: $941 paid 2022: $3,219 paid 2023: $0 paid 2024: $99,835 paid 2025: $20,267 paid 1996 · $2.4M 1978 2025
$4.2M
total paid
$9,233
average claim
$139K
largest single claim
73%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Lane, OR and where it ranks among U.S. counties. It is not a verdict on whether Lane is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.