Risk Index · Multnomah County · 2026-06-13
Portland, OR real-estate risk
- Risk score
- 98.5/100
- Relatively High
- Expected annual loss
- $440M
- all hazards, county-wide
- Buildings-only loss
- $278M
- what owners and insurers carry
- Population
- 814K
- Multnomah County
Portland, OR (Multnomah County) carries a FEMA National Risk Index score of 98.5/100, rated "Relatively High" and driven mainly by earthquake and heat wave, with roughly $440M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Earthquake99.6
- Heat wave96.8
- Riverine flood95.5
- Wildfire67.3
- Strong wind65.5
- Tornado47.4
- Coastal flood43.4
- Drought12.5
- Hail1.9
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Riverine flood is the line to verify: an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
Portland risk questions
Is Portland, OR a high-risk area for real estate?
Portland scores 98.5/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $440M per year.
What is the biggest natural hazard in Portland?
The highest-rated hazard is earthquake (99.6/100), followed by heat wave (96.8/100).
How does hazard risk affect property insurance in Portland?
Riverine flood is the line to verify: an SFHA designation triggers mandatory NFIP coverage and a hard line-item most pro formas understate.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.