Crook County, Oregon
Natural disaster risk, federal disaster history and flood insurance facts.
Crook County, Oregon has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 66% of US counties. It ranks 27th of 36 counties in Oregon. The costliest hazards here are inland flooding, wildfires and earthquakes. FEMA estimates about $9.7 million a year in expected losses, or roughly $393 per resident. Since 1964 it has been included in 10 federal disaster or emergency declarations for natural events (5 major disasters). The most recent was in July 2026 (Rowe Creek Fire Complex). About 1 in 62 homes here carry federal flood insurance (190 policies). Since 1978, federal flood insurance has paid about $466,000 on 67 claims here.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Crook County
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Clear dry plants and debris within 5 feet of the house.
- Get home insurance quotes early; availability varies by area.
- Ask whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Inland flooding | 40.5 | $4M | ||
| Wildfire | 95.1 | $3M | ||
| Earthquake | 69.5 | $684K | ||
| Lightning | 61.0 | $313K | ||
| Hail | 56.6 | $304K | ||
| Cold wave | 24.1 | $276K | ||
| Winter weather | 73.9 | $142K | ||
| Avalanche | 78.4 | $101K | ||
| Strong wind | 10.8 | $72K | ||
| Heat wave | 22.5 | $70K | ||
| Ice storm | 19.4 | $14K | ||
| Tornado | 3.6 | $9K | ||
| Landslide | 74.4 | $8K | ||
| Drought | 15.7 | $776 | ||
| Volcanic activity | 70.4 | $88 |
Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively moderate and community resilience is relatively high in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Crook County. 2020s bar runs to November 2026.
By type
Most recent
Oregon also had 42 statewide declarations that did not name single counties.
Storm history since 1987
Tornado risk by county ›The National Weather Service has logged 78 storm reports in Crook County since 1987 and about $20.1 million in reported damage. No tornadoes are on record here.
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| Jun 12, 2006 | Hail | Prineville | $20M |
| May 14, 2016 | Lightning | Goering Airstrip | $100K |
| Aug 8, 2019 | Flash Flood | Powell Butte | $20K |
| Aug 9, 2019 | Flash Flood | Prineville | $15K |
| Aug 2, 2009 | Thunderstorm Wind | Prineville | $2K |
| Jun 29, 2004 | Thunderstorm Wind | Prineville | $1K |
Source: NOAA Storm Events Database, county-based reports through Jul 16, 2024. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.
Flood insurance in Crook County
Check your address flood zone ›National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.
Homes in Crook County
Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 11,800 housing units.
Compare in Oregon
All 36 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| Multnomah County | Earthquake | |
| Washington County | Earthquake | |
| Clackamas County | Earthquake | |
| Lane County | Inland flooding | |
| Marion County | Earthquake | |
| Jackson County | Inland flooding | |
| Deschutes County | Inland flooding | |
| Linn County | Earthquake |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Deschutes County | 18 | |
| Jefferson County | 20 | |
| Harney County | 6 | |
| Grant County | 13 | |
| Wheeler County | 12 |
Common questions about Crook County
What is the biggest natural hazard in Crook County?
Inland flooding has the highest expected yearly losses in Crook County, about $4.5 million a year in FEMA's estimate. Wildfire is second at $3.2 million.
How many federal disasters has Crook County had?
Crook County has been included in 10 federal disaster or emergency declarations for natural events since 1964, including 5 major disasters. The most recent was Rowe Creek Fire Complex in July 2026.
Is Crook County a high-risk place to live?
Its overall rating is Very Low, 27th highest of 36 in Oregon. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Crook County?
Standard home insurance does not cover flooding. About 1 in 63 homes in Crook County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Crook County had?
NOAA records list 0 tornadoes in Crook County since 1950. The weather service has also logged 52 hail reports and 8 floods here.
Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.