Natural Disaster Risk
Cottage Grove, OR
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— Cottage Grove
🌊 Flood Risk — Cottage Grove
Cottage Grove has a flood risk score of 77/100, classified as High. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — Cottage Grove
Tornado risk score: 12/100 — Very Low. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — Cottage Grove
Earthquake risk score: 72/100 — High. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — Cottage Grove
Wildfire risk score: 62/100 — High. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
💰 What This Means for Home Insurance in Cottage Grove
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase NFIP coverage. Flood insurance is strongly recommended in this area.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required. Given the elevated risk, this coverage is worth considering.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or surcharges. Review your policy limits.
📍 Nearby Cities in Oregon
❓ Frequently Asked Questions — Cottage Grove
Is Cottage Grove in a flood zone?
Cottage Grove has a flood risk score of 77/100, classified as High. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does Cottage Grove get tornadoes?
Cottage Grove has a tornado risk score of 12/100. Tornadoes are rare in this area.
What is the earthquake risk in Cottage Grove?
Cottage Grove has an earthquake risk score of 72/100 (High), based on USGS seismic hazard assessments and historical earthquake data.
Is Cottage Grove at risk for wildfires?
Cottage Grove's wildfire risk score is 62/100 (High), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in Cottage Grove?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to Cottage Grove.