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Flooding in Hillsboro: WHAT YOU NEED TO KNOW
Hillsboro is known for its growing neighborhoods and booming tech sector, but living in Washington County also means being at risk of flooding. Hillsboro neighborhoods are likely to flood from both the river and the city because they are near tributaries of the Tualatin River, are growing quickly, and get a lot of rain. Flooding in this area is caused not just by storms that happen every now and then, but can also happen because of blocked drains or creeks that overflow.
Around 1,000 or 3% of homes in Hillsboro, OR, are at risk of damage by floods as of today. And, according to FEMA, a single inch of water within a house can result in up to $25,000 in damage. Standard homeowners insurance, however, doesn't cover flood losses, leaving countless families at risk. That's why getting private flood insurance in Hillsboro, OR, is one of the smartest things you can do to protect your home and your money.
Flood Zones in Hillsboro
FEMA maps indicate that several areas of Hillsboro are in high-risk flood zones, particularly around the Tualatin River and its tributaries, such as Dairy Creek and McKay Creek. However, flooding in Hillsboro, OR, is not exclusive to high-risk areas. Data from FEMA indicates that approximately 40% of flood insurance claims are made outside high-risk zones, which indicates that just living in a low-risk zone is not a true indicator of safety.
Flood-risk neighborhoods in Hillsboro are:
- Downtown Hillsboro (ZIP: 97123) – vulnerable because of surrounding creeks and outdated drainage systems.
- Orenco (ZIP: 97124) – rapid development and stormwater runoff cause localized flooding.
- Reedville (ZIP: 97007) – low-lying ground renders this neighborhood susceptible during rainstorms.
- Brookwood area – proximity to creeks that can overflow during the winter and spring rains
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When is flood season in Hillsboro ?
Flood threats in Hillsboro are most severe during the wet season between November and March, when torrential rains overflow rivers and overwhelm neighborhood drainage systems. But spring snowmelt from nearby hills can raise water levels as well, and summer thunderstorms even cause flash flooding from time to time. For this reason, protection via flood insurance year-round in Hillsboro is a prudent move.
Common causes of flooding in Hillsboro
Hillsboro, OR, experiences flooding for a variety of reasons, including:
Creek flooding: McKay Creek and Dairy Creek overflow their banks following heavy rain.
Urban runoff: Rapid development leads to impervious surfaces, causing water to pool.
Drainage system overflows: Older stormwater infrastructure has difficulty coping with today's larger rainfalls.
Extended rainfall: Oregon's rainy season runs from October to April, which often saturates the ground.
Flash flooding: Brief, heavy showers can flood creeks and overwhelm drainage systems in just minutes.
Even if your home is in a low-risk area, keep in mind that low-risk does not mean no risk. Getting insurance is a good idea for peace of mind. Talk to a flood insurance expert to learn about your risk levels and the different types of flood insurance you can get.

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Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs

Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection

Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most

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