From the coast to the high desert, more than 9,300 policies in Oregon face higher premiums as the government looks to erase a $24 billion shortfall in the National Flood Insurance Program.
Congress passed a law two years ago requiring policyholders to pay rates that reflect the true flood risk.
But the new prices were so steep that President Barack Obama signed a law Friday that phases in the increases for more than 1 million policyholders nationwide.
Even with the congressional action, homeowners face annual premium increases as high as 18 percent until the government collects what it needs to pay out claims.
Harney County Judge Steven Grasty worries that sky-high premiums will make it impossible to sell homes in the flood zone near the Silvies River.