Flood insurance cost in Oregon
In Oregon, the lowest private flood insurance quote ran $628 a year and the typical private quote ran $2,626. The NFIP quote ran $2,126.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 69% below the NFIP quote, and private was the cheaper option for 89% of those 46 properties. The typical private quote came in 34% above NFIP.
Median annual premiums from 575 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $628 | $3,100 | $2,126 | 460 |
| Residential properties | $628 | $2,626 | $2,126 | 575 |
How quotes have moved since 2020
- Lowest private quote$778 in 2025
- Typical private quote$1,535 in 2025
- NFIP quote$2,267 in 2025
Dashed lines span years with too few quotes to report a figure.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $633 | $1,710 | $3,110 | 210 |
| 2021 | $1,037 | $1,707 | n/a | 182 |
| 2025 | $778 | $1,535 | $2,267 | 282 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Oregon?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Oregon was $2,626 a year and the lowest private quote a property received was $628. NFIP quotes ran $2,126. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Oregon?
- Where a property was quoted both ways, the lowest private quote came in a median 69% below the NFIP quote, and private was the cheaper option for 89% of those 46 properties. The typical private quote came in 34% above NFIP.
- Where do these numbers come from?
- From 575 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Oregon
- Flood insurance in Oregon: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.