Lake County, Oregon
Natural disaster risk, federal disaster history and flood insurance facts.
Lake County, Oregon has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 81% of US counties. It ranks 33rd of 36 counties in Oregon. The costliest hazards here are inland flooding, wildfires and earthquakes. FEMA estimates about $6.0 million a year in expected losses, or roughly $742 per resident. Since 1964 it has been included in 10 federal disaster or emergency declarations for natural events (4 major disasters). The most recent was in August 2021 (Patton Meadow Fire). Only 29 homes here carry federal flood insurance. Since 1978, federal flood insurance has paid about $151,000 on 10 claims here.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Lake 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 | 37.6 | $4M | ||
| Wildfire | 89.2 | $1M | ||
| Earthquake | 72.9 | $818K | ||
| Winter weather | 77.2 | $154K | ||
| Cold wave | 11.8 | $89K | ||
| Heat wave | 24.3 | $77K | ||
| Lightning | 21.5 | $62K | ||
| Hail | 6.8 | $17K | ||
| Ice storm | 9.5 | $4K | ||
| Drought | 20.2 | $4K | ||
| Tornado | 2.0 | $3K | ||
| Strong wind | 1.1 | $2K | ||
| Landslide | 44.6 | $777 | ||
| Volcanic activity | 76.5 | $212 | ||
| Avalanche | 39.2 | $211 |
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 very low in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Lake 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 1958
Tornado risk by county ›The National Weather Service has logged 52 storm reports in Lake County since 1958 and about $80,000 in reported damage. The strongest on record here was an F0 tornado on September 21, 1973.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| Sep 21, 1973 | F0 | – | 0 / 0 |
| Aug 21, 2005 | F0 | Summer Lake | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| May 12, 1993 | Thunderstorm Wind | – | $50K |
| Sep 6, 2024 | Thunderstorm Wind | Lake Co Arpt La | $25K |
| Aug 2, 2009 | Thunderstorm Wind | Summer Lake | $5K |
Source: NOAA Storm Events Database, county-based reports through Sep 6, 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 Lake 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 Lake 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; 4,234 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 |
|---|---|---|
| Washoe County, NV | 52 | |
| Deschutes County | 18 | |
| Klamath County | 16 | |
| Modoc County, CA | 15 | |
| Harney County | 6 |
Common questions about Lake County
What is the biggest natural hazard in Lake County?
Inland flooding has the highest expected yearly losses in Lake County, about $3.7 million a year in FEMA's estimate. Wildfire is second at $1 million.
How many federal disasters has Lake County had?
Lake County has been included in 10 federal disaster or emergency declarations for natural events since 1964, including 4 major disasters. The most recent was Patton Meadow Fire in August 2021.
Is Lake County a high-risk place to live?
Its overall rating is Very Low, 33rd 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 Lake County?
Standard home insurance does not cover flooding. About 1 in 167 homes in Lake 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 Lake County had?
NOAA records list 2 tornadoes in Lake County since 1950. The strongest was an F0 tornado on September 21, 1973. The weather service has also logged 15 hail reports and 3 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.