Is flood damage covered by homeowners insurance?
Usually not. Oregon's Division of Financial Regulation notes that flood is a standard exclusion in homeowners policies, so flood cover is generally a separate policy. Only your insurer can say what yours does, and the decision is theirs. Photographs, a moisture log and receipts support a claim either way.
People often discover the gap after the event. A burst pipe and a rising creek can both put water in the same basement, and the policy treats them differently. Ask your agent now, not after the storm, what water is covered and what is not.
Flood insurance through the National Flood Insurance Program has a waiting period before it takes effect, so it cannot be bought in the middle of an event. If you live near the Willamette, Columbia or Johnson Creek, ask about a policy before the wet season starts.
What is the story with the Columbia levees?
The Columbia-side levee system runs about 27 miles from North Portland through Gresham, Fairview and Troutdale. According to Multnomah County, its FEMA certification has expired and accreditation could be revoked. We could not confirm its current status, so check with the county or your insurer before relying on it.
The levees were built by landowners between 1917 and 1921 and improved over time by the Army Corps of Engineers. Drainage districts maintain them. Legislative testimony and county materials from 2019 to 2023 describe the recertification question, and a lapse can change flood map status and insurance requirements for properties behind them.
That is a reason to look up your own address on the current FEMA flood map and ask about cover, not a reason to assume you are safe or at risk.
What should you do while waiting for help?
Stay out of the water, shut off electricity at the panel only if you can reach it dry, photograph the high-water line, and move people and pets out. Do not run a household vacuum on flood water or try to clean up alone. Call, and a crew is dispatched as fast as one is available.
Flood water can hide sharp objects, open drains and live current. Boots, gloves and a mask are the minimum if you must go in. Never walk through moving water, even if it looks shallow.
Keep your receipts and a list of what you move. If a utility asks you to evacuate, follow it.
- Photograph the water line on walls and furniture
- Turn off gas and electricity only if it is safe to do so
- Do not enter basements with standing water near outlets
- Keep contaminated items separate from clean ones
How is the Washington side different?
Vancouver and Camas are in Clark County, Washington, so contractors there register with the state Department of Labor & Industries rather than Oregon's Construction Contractors Board. The Columbia flood history applies directly to low land by the river. The restoration work is the same, but the license check and some local rules differ.
Clark County Public Works records that the 1996 Columbia flood crested at 27.2 feet at Vancouver, nearly 300 homes were damaged and 82 were destroyed. Camas, upriver, has its own lower riverside land, though we have no town-specific figures to cite.
Wherever you are, ask a company for its license or registration number and check it with the right state agency before signing.
What happens to the furnace, water heater and panel?
Equipment that took in flood water is not turned on until a qualified technician has inspected it. Furnaces, water heaters and electrical panels often need to be dried and tested or replaced. Those are separate trades, and the restoration crew tells you what looks wet and which specialist to call.
Gas valves, control boards and electric motors are the parts that suffer. A unit that looks dry on the outside may have water in its controls, and running it can cause a short or a fire.
If the panel was touched by water, ask an electrician to look at it before power is restored to the area. The restoration crew will not reconnect circuits.
How long does flood cleanup take?
A basement with a few inches of flood water is often cleaned in a couple of days and dried in the following week. A whole floor with silt, removed drywall and wet framing takes longer. The readings decide when drying ends, and rebuilding comes afterward.
The slow part is usually not the pumping. It is the silt, the removal of everything porous, and the time for concrete and framing to reach a dry reading.
Tell the dispatcher how deep the water got and how long it stood. Those two facts shape the plan.