Natural Disaster Risk in Otter Rock
Oregon
Risk Summary for Otter Rock
Otter Rock scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Tsunami.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Otter Rock, Oregon
Otter Rock is a small unincorporated community in Lincoln County, in the Pacific Northwest. The area experiences mild, wet winters on the coast and semi-arid conditions inland, with a high wildfire risk period in the dry summer months shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Otter Rock.
According to FEMA's National Risk Index, Otter Rock carries an overall risk score of 5.7/10, placing it in the moderate category. Coastal tsunami exposure is the dominant hazard concern, with the regional tectonic environment capable of generating both local and distant-source tsunami waves. The area also faces notable exposure to volcano and earthquake.
Otter Rock's risk score, near the 5.7/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Lincoln County, the highest-scoring are tsunami, volcano, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Otter Rock residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for tsunami is recommended.
What this means for Otter Rock: Tsunami preparedness
- If you feel strong shaking near the coast, move to high ground immediately — do not wait for an official warning.
- Learn your community evacuation routes and the location of designated assembly areas.
- Standard homeowners insurance excludes tsunami flooding; flood coverage may be needed.
Local Factors for Otter Rock
These city-level factors differentiate Otter Rock from other communities in Lincoln County and provide geographic context for its hazard exposure.
Population
334
RuralGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Cool Continental
Latitude 44.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — summer fire risk
Fire score: 5.7/10
Coordinates
44.7602° N, 124.0568° W
Lincoln County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Otter Rock
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Otter Rock
Other cities in Oregon
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.