Property Atlas

County hazard profile

Lincoln, OR

Oregon · pop. 50,204 · FIPS 41041

Relatively Moderate
FEMA risk rating · RATING
Earthquake
dominant hazard
$59M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lincoln $59M

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 Moderate 89.95/100
national median ~50 among the highest nationally
Social vulnerabilityVery High 84.41/100
national median ~50 higher than 84% of counties
Community resilienceRelatively Moderate 53.88/100
national median ~50 near the national middle (54th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lincoln

The National Flood Insurance Program has paid 462 flood-insurance claims totaling $6.3M in Lincoln since 1979. The costliest year was 1999 ($3.1M paid).

Flood-insurance dollars paid by year of loss

1979: $1,471 paid 1980: $24,460 paid 1981: $7,269 paid 1982: $35,564 paid 1983: $52,789 paid 1984: $2,248 paid 1985: $0 paid 1986: $1,364 paid 1987: $2,606 paid 1988: $4,087 paid 1992: $0 paid 1994: $0 paid 1995: $1,498 paid 1996: $443,167 paid 1997: $2,894 paid 1998: $858,436 paid 1999: $3,091,745 paid 2004: $1,000 paid 2005: $12,873 paid 2006: $191,061 paid 2007: $2,239 paid 2008: $0 paid 2009: $51,268 paid 2010: $367 paid 2011: $71,172 paid 2012: $563,930 paid 2014: $3,322 paid 2015: $85,642 paid 2016: $20,406 paid 2017: $29,490 paid 2018: $476,719 paid 2020: $12,341 paid 2021: $155,615 paid 2022: $21,908 paid 2023: $32,817 paid 2025: $45,333 paid 1999 · $3.1M 1979 2025
$6.3M
total paid
$13,652
average claim
$367K
largest single claim
76%
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 Lincoln, OR and where it ranks among U.S. counties. It is not a verdict on whether Lincoln 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.