Wildfire Risk in Medford, OR
Low → High by neighborhood
Medford, the Rogue Valley’s hub, sits in the same wind-driven fire corridor that the 2020 Almeda Fire tore through — a reminder that valley cities, not just forest edges, face conflagration risk.
Risk · High end
50/100
High Risk
range 18–50 by area
Reviewed by Tom Hunt, Wildfire Risk Expert
Wildfire risk varies by neighborhood in Medford. Across the city our federal-data samples range from low (18/100) in lower-risk areas to high (50/100) nearer open wildland and vegetation. A citywide number can mislead either way — check your exact address for the score that applies to your home.
Fire locations come from NIFC — they update about once a day and are not real-time. In an emergency, always follow the official orders from your local authorities. Basemap © Mapbox © OpenStreetMap.
Wildfire hazard in Medford
Medford, Oregon spans low to high risk (18–50/100) depending on the neighborhood, with the high end nearest open wildland and vegetation. Medford is a high wildfire-hazard area, with terrain and fuels capable of carrying a fast, destructive fire (a 50/100 FireRisk). the USFS Wildfire Risk to Communities model rates the risk to structures here as Moderate. Federal records show 63 wildfires within 25 miles since 2000 — the closest, the Deer Ridge Fire (2009), burned about 4.0 miles away. Risk varies dramatically block to block, so the map shows the area while your exact address determines your true score.
Get the full report for your address →About wildfire risk in Medford
Fire history
The September 2020 Almeda Fire destroyed roughly 2,500 structures in the Talent–Phoenix corridor immediately south of Medford, displacing thousands. The valley’s combination of cured grass, wind, and dense housing made the fire move at urban-conflagration speed.
Terrain & fuels
Hot, dry summers cure valley-floor grass and brush; foothill chaparral and the surrounding Cascade-Siskiyou forest add timber fuels, and late-summer north winds drive rapid spread.
Insurance outlook
Jackson County premiums have risen since 2020; carriers increasingly weigh WUI exposure across the valley floor, not only the hills.
Medford fire insurance: cost & who still writes here →Local programs & resources
- Oregon Dept. of Forestry. Statewide defensible-space and WUI mitigation guidance.
- Firewise USA. A recognized community wildfire-mitigation program; participating neighborhoods can qualify for grants and, with some carriers, premium credits.
Fire history near Medford
63 federally recorded wildfires (since 2000) within 25 miles. The closest is the Deer Ridge Fire (2009), 4.0 miles away. Tap any fire for quick facts.
Where this score falls
This score plotted on the full wildfire-risk scale.
Risk varies block to block in Medford
This score is for the area. Your street, slope, and defensible space change it a lot — check your exact address for a free, instant home-level score, map, and report.
What Medford wildfire risk means for your insurance
Maximum potential savings
$1,288/yr
Across 9 programs — confirm eligibility with your carrier
Annual discounts + one-time grants averaged over 5 yrs · discounts may not all stack
$488recurring/yr
$4,000one-time grants
IBHS Wildfire Prepared Home™ Discount
5–25% premium reductionThe gold standard for wildfire home ratings. Major carriers (State Farm, Farmers, Nationwide, Allstate) offer 5–25% discounts for IBHS certification. A third-party inspector grades your home on five systems: roof, vent, deck, wall, and window glazing. Half-day inspection, long-lasting payoff.
✓ WUI homeowners nationwide — confirm discount with your carrier before scheduling inspection
Firewise USA Discount (OR carriers)
5–12% premium reductionMutual of Enumclaw, State Farm, and Oregon regional carriers recognize Firewise USA community designation. Strong Firewise programs exist near Sisters, Bend, Ashland, and Eugene foothills. Check firewise.org for your community’s status.
✓ Residents of Firewise USA designated communities in Oregon
Documented Defensible Space Discount
5–12% premium reductionMost WUI carriers offer standalone discounts for documented Zone 1, 2 & 3 clearance — no full IBHS cert required. Submit dated before/after photos plus a contractor invoice or county assessment letter to your agent.
✓ Contact your carrier — requires written documentation of Zone 1 (0–5ft), Zone 2 (5–30ft), and Zone 3 (30–100ft) clearance
Class A Fire-Rated Roofing Discount
3–8% premium reductionMetal, concrete tile, or Class A composition shingles eliminate ember ignition from above and qualify for carrier discounts in all wildfire states. Provide your carrier a letter from the roofing contractor confirming the UL Class A rating.
✓ New or recently replaced roofs — ask your carrier for their fire-rating documentation requirements
Home Hardening & Fire-Resistant Materials Discount
3–12% premium reductionDocumenting fire-resistant upgrades — fiber cement siding, metal gutters, dual-pane tempered windows, enclosed eaves, and 1/16" ember-resistant vents — can qualify for additional carrier discounts. Bundle with defensible space docs for maximum combined discount.
✓ Ask your carrier for their home hardening checklist and documentation requirements
Oregon Dept. of Forestry Cost-Share Grant
Up to $5,000 (50% match)ODF’s Forest Stewardship Program reimburses 50% of fuels reduction and defensible space costs on forestland with an approved Forest Management Plan. Contact your local ODF district office (Salem, Springfield, Forest Grove, Coos Bay, Grants Pass, etc.).
✓ Oregon private forestland owners — apply through local ODF district office at oregon.gov/odf
Oregon Wildfire Response Council Community Grants
Up to $3,000OWRC coordinates community-scale wildfire preparedness grants. Properties near Ashland, Sisters, Bend, and Medford are priority areas. Community Wildfire Protection Plans (CWPPs) funded through this program unlock additional USDA Forest Service funding for residents.
✓ Oregon WUI communities and HOAs — oregonwildfire.org
USDA NRCS EQIP Fuels Reduction Grant
Up to $150,000 (agricultural land)USDA Natural Resources Conservation Service pays 50–75% of wildfire-related conservation work (prescribed burns, thinning, silvopasture) on active agricultural land through EQIP. Application windows open annually in fall. NOTE: requires USDA Farm Service Agency farm/tract number — not available to most residential homeowners.
✓ Active agricultural producers and rural farm operators only — find your NRCS office at nrcs.usda.gov
USDA Forest Service State Fire Assistance (SFA)
Passthrough to state programsUSDA Forest Service SFA grants flow to every state forestry agency, which distributes them as cost-share programs and grants. This is the federal funding source behind the state-specific programs listed here — you apply through your state forestry agency, not directly to USFS.
✓ Applied through your state’s forestry agency — see state-specific programs above
Savings are estimates. Verify current amounts with your insurance carrier, CSFS district office, or tax professional before committing to work.
What wildfire risk does to this home's value
Beyond premiums, wildfire risk is capitalized into market value — buyers pay less for homes that cost more to insure and carry a disclosed hazard. Adjust the value below to estimate the impact on a high-risk home.
Estimated value impact
−$10K to −$20K
roughly 2.0%–4.0% of value
The durable effect of a standing high-risk designation — not the larger, temporary drop right after a nearby fire, which typically recovers in 1–3 years.
Insurance carrying cost
~$600/yr
Estimated added wildfire premium. Capitalized at a 7% rate, that recurring cost alone reduces value by about $8,571 — the mechanism behind much of the discount.
Market & disclosure discount
2.0%–4.0%
Peer-reviewed CA data finds homes with a disclosed wildfire hazard sell for ~4–6% less; Redfin finds high-risk ZIPs now trade at a discount after years of slower appreciation.
Estimate, not an appraisal. Modeled from your risk tier and an adjustable home value, using insurance-cost capitalization and published wildfire price-discount research (Land Economics 2024 / RFF; GAO-26-107867; Redfin; Eastman-Kim 2024). Individual homes vary with hardening, views, and local demand. Methodology & sources on the methodology page.
High risk — and your insurer already knows it.
Industry reporting describes steep premium increases for high-risk homes in recent years. One renewal cycle without action and you may be shopping the non-standard market.
What happens if you wait
High-risk homeowners have faced steep rate increases in recent years. Non-standard market policies — when you can find them — often cost substantially more.
Insurers have filed hundreds of thousands of non-renewals in fire-risk areas in recent years. Notices typically arrive ~60 days before expiration.
IBHS-certified homes may qualify for premium reductions with participating carriers. Discounts vary by carrier, state, and property.
Research suggests homes with elevated fire risk can sell below comparable homes, as buyers price in insurance cost. Individual results vary.
High risk doesn’t mean uninsurable.
We match Oregon homeowners with licensed agents who write high-risk wildfire homes. Start with your email — we’ll send your comparison and, if you want, connect you with an agent. Free, no obligation.
$488/yr — typical savings when Oregon homeowners compare carriers.
Lower your wildfire risk in Medford
Get a certified fire mitigation contractor in Oregon
We connect you with trusted, locally-licensed crews who do the physical work that lowers your risk score — and document it so your insurer and Oregon's grant programs recognize it.
What your contractor handles
On-site evaluation of all three zones, documented to insurer and state standards.
Ladder-fuel removal, tree limbing, and brush clearing by trained crews.
Ember-resistant vents, gutter guards, and Zone 1 non-combustible retrofits.
Documentation that unlocks carrier discounts and state grant reimbursements.
Book a free defensible space assessment
Most certified contractors assess at no cost. The visit documents your property to the standard insurers require — and 1 of your recommended actions qualify for Oregon grant or rebate funding.
$0
assessment
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Contractor Matching — Coming Soon
We're building out our contractor network. Check back soon to connect with a certified crew.
✓ Licensed & insured crews
✓ Serving Oregon
✓ No obligation
Defensible space & home hardening →
The specific work that measurably lowers your score — with the grants and tax credits that pay for it.
Is there a fire near Medford right now?
The map above shows active fires from NIFC. For live evacuation alerts, smoke, and incident updates, these official sources are the fastest:
Before the next Red Flag day
Know exactly how to protect your home in Medford — free
Build a personalized, prioritized mitigation plan in 2 minutes — every step tied to the insurance discount, tax credit, and grant it unlocks. Then get a shortlist of trusted local contractors to do the work.
Medford wildfire FAQ
Is Medford at risk for wildfires?
Yes — Medford, Oregon carries a High wildfire risk rating (50/100 at the high end), so it faces meaningful wildfire exposure. Across the city our federal-data samples range from 18 to 50/100, so risk varies sharply from neighborhood to neighborhood. 63 wildfires have been recorded within 25 miles since 2000. Risk varies street by street, so check your exact address for a precise score.
Is Medford in a high wildfire risk area?
Medford, Oregon carries a High wildfire risk rating (50/100 at the high end) based on USFS Wildfire Risk to Communities, FEMA National Risk Index, terrain, and recorded fire history. Risk is far from uniform — our samples span low to high across the city, with the high end nearest open wildland and vegetation. Risk varies street by street — check your exact address for a precise score.
How do I check my home's wildfire risk in Medford?
Enter your street address into FireRisk.ai for a free, instant report. It pulls federal data for your exact coordinates and returns a 0–100 risk score, a satellite map of your defensible-space zones, nearby fire history, and your insurance and mitigation options.
Does wildfire risk affect home insurance in Medford?
Yes. Federal hazard data like what's in this report informs insurer and catastrophe modeler inputs in Oregon, and high-risk areas have seen premium increases and non-renewals. Documenting defensible space and home hardening can unlock discounts and help keep coverage.
More wildfire risk in Oregon
Official Oregon resources
Know your home's exact wildfire risk
Street-level risk in Medford varies enormously. Get your address's precise score, defensible-space map, and insurance options — free, in 30 seconds.
Check Medford address →