Data · May 2026 data · 13-month trend
Oregon Flood Insurance Costs
In May 2026, the average premium among Oregon NFIP policies newly written or renewed that month was $961. Premiums there are 2.2% cheaper than the $982 national figure. That represents a 16.5% increase year over year. The month's tally covers 1,679 policy transactions across 35 counties, with Jefferson County posting the highest average premium at $3,018.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $961
- Avg total cost (with fees)
- $1,262
- Change (year over year)
- +16.5%
- vs national average
- -2.2%
- Policies written or renewed
- 1,679
- Counties reporting
- 35
Oregon trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $825 | $1,094 | 2,000 | |
| June 2025 | $1,004 | $1,319 | 1,631 | |
| July 2025 | $953 | $1,258 | 1,753 | |
| August 2025 | $908 | $1,192 | 1,869 | |
| September 2025 | $1,074 | $1,413 | 1,814 | |
| October 2025 | $912 | $1,198 | 2,242 | |
| November 2025 | $966 | $1,275 | 2,076 | |
| December 2025 | $815 | $1,078 | 2,510 | |
| January 2026 | $1,013 | $1,333 | 1,906 | |
| February 2026 | $1,005 | $1,320 | 1,628 | |
| March 2026 | $990 | $1,307 | 1,603 | |
| April 2026 | $810 | $1,065 | 2,103 | |
| May 2026 | $961 | $1,262 | 1,679 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Jefferson County | $3,018 | $3,708 | 3 | |
| Deschutes County | $2,479 | $3,072 | 6 | |
| Wallowa County | $2,341 | $2,834 | 1 | |
| Morrow County | $2,071 | $2,572 | 4 | |
| Coos County | $1,915 | $2,410 | 20 | |
| Clatsop County | $1,744 | $2,249 | 91 | |
| Douglas County | $1,455 | $1,814 | 79 | |
| Columbia County | $1,375 | $1,739 | 35 | |
| Lincoln County | $1,343 | $1,767 | 92 | |
| Lane County | $1,322 | $1,678 | 150 | |
| Linn County | $1,314 | $1,649 | 34 | |
| Curry County | $1,295 | $1,713 | 10 | |
| Tillamook County | $1,171 | $1,617 | 67 | |
| Klamath County | $1,115 | $1,387 | 3 | |
| Jackson County | $1,090 | $1,433 | 88 | |
| Yamhill County | $1,075 | $1,361 | 22 | |
| Clackamas County | $1,042 | $1,334 | 160 | |
| Josephine County | $1,016 | $1,374 | 24 | |
| Grant County | $1,009 | $1,308 | 5 | |
| Hood River County | $1,006 | $1,259 | 1 | |
| Washington County | $982 | $1,277 | 84 | |
| Wheeler County | $971 | $1,368 | 3 | |
| Umatilla County | $951 | $1,254 | 19 | |
| Wasco County | $902 | $1,361 | 5 | |
| Harney County | $860 | $1,087 | 2 | |
| Marion County | $855 | $1,159 | 118 | |
| Crook County | $824 | $1,084 | 17 | |
| Malheur County | $796 | $1,011 | 2 | |
| Benton County | $779 | $1,079 | 41 | |
| FIPS 41000 | $707 | $981 | 3 | |
| Union County | $558 | $805 | 6 | |
| Baker County | $475 | $669 | 6 | |
| Lake County | $418 | $641 | 3 | |
| Polk County | $412 | $741 | 59 | |
| Multnomah County | $356 | $494 | 414 |
Use this data
Download Oregon CSV (oregon.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Oregon Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/oregon
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.