Data · July 2026 data · 15-month trend
Oregon Flood Insurance Costs
In July 2026, the average premium among Oregon NFIP policies newly written or renewed that month was $1,017. Premiums there are 3.2% higher than the $986 national figure. That represents a 6.7% increase year over year. The month's tally covers 1,673 policy transactions across 34 counties, with Hood River County posting the highest average premium at $3,874.
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 — July 2026
- Average premium
- $1,017
- Avg total cost (with fees)
- $1,331
- Change (year over year)
- +6.7%
- vs national average
- +3.2%
- Policies written or renewed
- 1,673
- Counties reporting
- 34
Oregon trend, last 15 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 | $1,257 | 1,755 | |
| August 2025 | $907 | $1,192 | 1,870 | |
| September 2025 | $1,074 | $1,413 | 1,814 | |
| October 2025 | $912 | $1,199 | 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 | $1,006 | $1,320 | 1,628 | |
| March 2026 | $990 | $1,307 | 1,603 | |
| April 2026 | $810 | $1,065 | 2,104 | |
| May 2026 | $954 | $1,255 | 1,748 | |
| June 2026 | $1,115 | $1,452 | 1,511 | |
| July 2026 | $1,017 | $1,331 | 1,673 |
County breakdown — July 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 |
|---|---|---|---|---|
| Hood River County | $3,874 | $4,868 | 1 | |
| Morrow County | $2,752 | $3,319 | 1 | |
| Jefferson County | $2,695 | $3,352 | 9 | |
| Coos County | $2,276 | $2,892 | 37 | |
| Curry County | $1,977 | $2,573 | 8 | |
| Columbia County | $1,609 | $2,008 | 36 | |
| Josephine County | $1,545 | $1,959 | 39 | |
| Douglas County | $1,531 | $1,921 | 58 | |
| Clackamas County | $1,393 | $1,745 | 78 | |
| Malheur County | $1,344 | $1,771 | 4 | |
| Clatsop County | $1,322 | $1,736 | 112 | |
| Klamath County | $1,294 | $1,655 | 4 | |
| Yamhill County | $1,254 | $1,642 | 40 | |
| Tillamook County | $1,244 | $1,672 | 90 | |
| Benton County | $1,237 | $1,621 | 58 | |
| Lane County | $1,234 | $1,587 | 174 | |
| Umatilla County | $1,223 | $1,634 | 40 | |
| Lincoln County | $1,175 | $1,551 | 109 | |
| Deschutes County | $1,170 | $1,537 | 16 | |
| Polk County | $1,131 | $1,474 | 30 | |
| Baker County | $996 | $1,387 | 8 | |
| Washington County | $991 | $1,294 | 79 | |
| Grant County | $947 | $1,190 | 3 | |
| Linn County | $928 | $1,208 | 39 | |
| Union County | $927 | $1,256 | 10 | |
| Jackson County | $899 | $1,184 | 96 | |
| Harney County | $879 | $1,259 | 6 | |
| Marion County | $860 | $1,153 | 91 | |
| Wallowa County | $818 | $1,037 | 1 | |
| Wasco County | $792 | $1,006 | 2 | |
| Crook County | $719 | $1,014 | 24 | |
| Lake County | $458 | $612 | 2 | |
| FIPS 41000 | $382 | $523 | 1 | |
| Multnomah County | $253 | $366 | 367 |
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 (NFIP Redacted Policies v3).
"Oregon Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/oregon
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.