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Flooding in Roseburg: WHAT YOU NEED TO KNOW
Though Roseburg is situated inland in Douglas County, it is not entirely flood-proof. Located along the South Umpqua River and dotted with creeks and tributaries, the city experiences seasonal flood threats from snowmelt, heavy rain, and river overflow.
Close to 15% of properties in Roseburg are at risk of floods as of today. Moreover, FEMA data indicates that just one inch of water inside a home can cause up to $25,000 in damage, and standard homeowners' insurance does not cover flood damage, so having a separate flood insurance policy is essential for financial security.
Flood Zones in Roseburg
Several parts of Roseburg fall into FEMA’s Special Flood Hazard Areas (SFHAs), particularly along the South Umpqua River and its tributaries. Homes and businesses in Zone AE face a 1% annual chance of flooding and typically require flood insurance if financed with a federally backed mortgage. But even beyond these highest-risk areas, flooding occurs. Zone X, moderate-to-low risk, still generates claims, and FEMA reports that about 40% of all flood claims throughout the country originate from buildings outside of the most risky areas.
Flood zones near and in Roseburg are:
- Downtown Roseburg (ZIP: 97470) – near the South Umpqua River and exposed to periodic river flooding.
- Garden Valley (ZIP: 97471) – residential areas surrounding creeks and drainage channels that overflow in heavy rain.
- West Roseburg & Lookingglass areas (ZIP: 97470, 97471) – these properties flood during winter storms.
- Green District (ZIP: 97471) – lower-lying residential areas that can flood when the river rises.
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When is flood season in Roseburg ?
Roseburg's flood threat is at its peak during the late fall to early spring months (November–March). Rainstorms from the Pacific, melting snow from the mountains, and saturated land all contribute to increasing river levels during these periods. Flash flooding can also occur during heavy rain, particularly in older drainage areas.
Although flooding is most prevalent in spring and winter, any time of year can witness severe weather, so flood insurance in Roseburg needs to be ongoing throughout the year.
Common causes of flooding in Roseburg
Flooding in Roseburg usually occurs from a combination of natural and geographical processes:
Heavy rainstorms: Continued rain overflows rivers and creeks such as Deer Creek and Newton Creek. In March 2025, Deer Creek crested at a record 15.93 feet, running through downtown.
South Umpqua River flooding: Seasonal river overflow can spill over into surrounding neighborhoods.
Snowmelt from nearby hills: Rising temperatures rapidly melt snow built up on the nearby hills, which can force water downstream.
Old infrastructure: Much of the city's drainage systems are too old to handle heavy rain.
Low-lying areas: Neighborhoods near the river valley are naturally prone to flooding.
Floods are a constant danger for Roseburg residents. With that in mind, getting flood insurance is a good way to protect your home and your money.
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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
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