Flooding in Portland WHAT YOU NEED TO KNOW

Portland is known for its rain, rivers, and beautiful green spaces, but all of that water comes with risk. With the Willamette and Columbia Rivers running through the city, a vast network of creeks and drainage basins, and frequent heavy rainfall, Portland faces a very real threat of flooding. The city's older neighborhoods, combined with its hilly terrain and growing urban sprawl, increase the chances of water damage during storms.

Studies show that close to 46,000 homes in Portland currently run the risk of being damaged by floods.   However, what often surprises many residents is that most standard homeowners' insurance does not cover flood damage. Whether it’s river overflow, storm runoff, or flash flooding in your neighborhood, you’ll need separate private flood insurance in Portland, OR, to be protected.

Flood Zones in Portland

Portland includes a mix of FEMA-designated flood zones, especially near the Columbia Slough, Johnson Creek, the Willamette River, and surrounding wetlands. Homes located in Zone AE are considered high-risk and typically require flood insurance if you have a federally backed mortgage. However, even homes in Zone X, which FEMA considers low-to-moderate risk, are vulnerable. Portland’s frequent rainfall, steep slopes, and urban development contribute to flooding even outside traditional floodplains. In fact, more than 40% of all flood insurance claims come from these areas.