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In Oregon, you are not legally required to purchase flood insurance if you have a conventional mortgage.
Construction in a Floodplain A permit is required to ensure that projects meet city, state and federal requirements and do not cause problems on other properties. New buildings in the floodplain must be protected from flood damage.
Water damage caused by flooding is not covered by homeowners or renters policies because it is considered a gradual event rather than sudden or accidental. As a rule of thumb, if the water first touches the ground before entering your home, it is considered flood damage.
Building on the floodplains makes the habitats for many creatures rare and unnatural as their natural habitat has been destroyed. It also makes it very dangeous for the creatures to build down river as the oils and dirt gets washed into the river poluting it by danerous amounts.
To obtain a new Elevation Certificate, contact a licensed land surveyor. Once the Elevation Certificate is complete, please provide a copy to the Community Development Department. To access the Library, click the link below. The Elevation Certificates are organized alphanumerically by street name.

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Available to homeowners, renters and business owners, this insurance often is required to obtain a mortgage in areas at high risk of flooding. But you might want to look into a policy just for peace of mind, even if you dont live in a traditionally flood-prone area.
Design Flood Elevation (DFE) The elevation of the highest flood (generally the BFE in- cluding freeboard) that a retrofitting method is designed to protect against. Also referred to as Flood Protection Elevation.
The types of A Zones that are applicable to our community: A: SFHA where no base flood elevation is provided. AE: SFHA where the base flood elevations are provided.
While there is general consensus new homes should not be built on flood plains that are still green, there is little agreement on how to increase flood resilience in areas where they have already been developed.
The planning system does allow new homes to be built in areas at risk of flooding, but only in very specific circumstances. The National Planning Policy Framework advises that development should be directed away from the areas at the greatest risk of flooding.

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