Protect Your Medford
Home From Flood Damage
Quick, comprehensive and personalized coverage to protect you from unexpected flood damage
Flooding in Medford: WHAT YOU NEED TO KNOW
Medford, Oregon, does not have the privilege of sitting on the coast, but it doesn't have to contend with flooding. The city is nestled in the Rogue Valley and ringed by mountains, making its flood situations unique due to heavy rain, snowmelt, and the Rogue River and Bear Creek drainage systems. Winter storms, swift snowmelt from the Siskiyou and Cascade ranges, and poor urban drainage all add to Medford's risk of flooding.
Studies show that over Based on FEMA statistics, thousands of homes in Jackson County, such as Medford, are flood-prone. One inch of water within a home can damage up to $25,000 worth of assets, but many homeowners are unaware that basic home insurance policies do not include flooding. The only protection for your home and contents is a flood insurance policy.
Flood Zones in Medford
Medford's zones include a combination of FEMA-flood-designated areas, with high-risk zones near Bear Creek and its tributaries. Properties in Zone AE (high-risk) usually must bear flood insurance if mortgaged through federally backed mortgages. Even those properties in Zone X (moderate-to-low risk, as mapped) have flooded, most commonly following heavy rain or rapid snowmelt. Some of Medford's flood-prone neighborhoods are:
Some flood-prone areas in Medford include:
- Bear Creek Corridor (ZIP code: 97501/97504) – the creek overflows periodically during rain and storms.
- Downtown Medford (ZIP code: 97501) – urban runoff and old drainage systems produce regular flooding.
- West Medford (ZIP code: 97501) – stormwater backup-hazardous low-lying residential areas.
- East Medford Foothills (ZIP code: 97504) – susceptible to rapid snowmelt accompanied by rain.
- Central Point/Medford Border (ZIP code: 97502) – in proximity to Bear Creek and frequently affected by localized floods.
- Central Point/Medford Border (ZIP code: 97502) – in proximity to Bear Creek and frequently affected by localized floods.
- Not sure what flood zone your home is located in ? Our team of experts at Advantage Flood can inform you about your flood risk and walk you through the flood insurance options that are available to you.
Seamless Switching
Already Insured? you can still SWITCH!
Our flood insurance experts make switching simple—seamless transitions, stress-free coverage, and the confidence of knowing you're protected.
+150 years
Insurance Experience in the Agency
33 years
In Business
All 50 States
Nationwide coverage
97%
Customer Satisfaction
21 year
Average Customer Loyalty
Floods Happen. Be Prepared Before They Do.
Answer a few simple questions to get your flood insurance quote today.
When is flood season in Medford
Flood risk in Medford tends to peak during late winter and spring, when rainfall is heavy and mountain snowpack begins to melt quickly. However, intense thunderstorms in the summer and fall can also trigger flash floods in the Rogue Valley. Because water can rise unexpectedly in creeks and low-lying neighborhoods, year-round flood insurance is the only way to ensure you’re protected whenever disaster strikes.
Common causes of flooding in Medford
Flooding in Medford is usually linked to a mixture of river, stormwater, and snowmelt events. The most frequent causes are:
During severe storms, the Rogue River and Bear Creek overflow
Snowmelt from the Siskiyous and Cascades
Severe thunderstorms
Drainage issues and runoff in residential and downtown areas
Water pools in low-lying areas due to soil saturation after extended rains
Even if your home has never flooded before, these conditions make Medford a city where getting flood insurance is a wise move.
Top-Rated Flood Insurance
Expert Guidance & Unmatched Customer Support
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
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
FAQ: Your Questions, Answered
Find quick and reliable answers about flood insurance.
