Natural disaster risk FEMA county data

California natural disaster risk

California ranks #51 of 51 from the lowest population-weighted county-score mean in our state comparison. Its highest hazard-score means are earthquake, riverine flooding, wildfire.

County-score mean
98.8
Very high county-score mean
Expected loss per resident
$765
per year, all hazards
Home insurance (median)
$1,473
per year with a mortgage, ACS 2024

RelocateMath computes these state means by weighting FEMA county scores by population. A mean of county percentiles is not a national state percentile or an official FEMA state rating.

Highest county hazard-score means in California
County-score mean above 50
Earthquake99
Riverine flooding99
Wildfire97
Landslide96
Heat wave95
Coastal flooding78

The vertical line marks county-score scale midpoint (50).

Find your county's risk in California

All 58 county rows with a FEMA score are available below, initially ordered by population.

FEMA v1.20 county risk scores in California; population from Census ACS 2020–2024
CountyPopulationRisk scoreFEMA rating
Los Angeles County9,808,667100.0Very High
San Diego County3,288,77499.7Very High
Orange County3,165,82099.8Very High
Riverside County2,478,60099.9Very High
San Bernardino County2,197,10499.8Very High
Santa Clara County1,902,04799.7Very High
Alameda County1,649,47399.8Very High
Sacramento County1,594,00698.1Relatively High
Contra Costa County1,165,01299.5Very High
Fresno County1,016,72599.3Relatively High
Kern County915,07598.9Relatively High
Ventura County837,46999.4Relatively High
San Francisco County830,23599.5Very High
San Joaquin County797,33498.6Relatively High
San Mateo County742,34099.2Relatively High
Stanislaus County553,99096.9Relatively High
Sonoma County485,04099.1Relatively High
Tulare County478,69397.0Relatively High
Solano County451,91897.0Relatively High
Santa Barbara County443,70199.0Relatively High
Monterey County437,61398.7Relatively High
Placer County419,15693.1Relatively Moderate
Merced County290,20196.9Relatively High
San Luis Obispo County281,55595.9Relatively High
Santa Cruz County264,92697.8Relatively High
Marin County257,96996.4Relatively High
Yolo County220,56491.4Relatively Moderate
Butte County207,92993.9Relatively Moderate
El Dorado County192,66291.4Relatively Moderate
Shasta County181,43693.4Relatively Moderate
Imperial County180,20296.5Relatively High
Madera County160,94096.4Relatively High
Kings County153,29892.4Relatively Moderate
Napa County134,86995.3Relatively High
Humboldt County134,54196.8Relatively High
Nevada County102,48189.9Relatively Moderate
Sutter County98,85783.7Relatively Moderate
Mendocino County90,24494.3Relatively High
Yuba County84,50780.9Relatively Low
Lake County68,15293.0Relatively Moderate
San Benito County67,29085.2Relatively Moderate
Tehama County65,16788.9Relatively Moderate
Tuolumne County54,49885.2Relatively Moderate
Calaveras County46,24886.6Relatively Moderate
Siskiyou County43,46689.0Relatively Moderate
Amador County41,42879.2Relatively Low
Lassen County30,35673.1Relatively Low
Glenn County28,49474.4Relatively Low
Del Norte County27,10794.4Relatively High
Colusa County21,98481.1Relatively Moderate
Plumas County19,42386.4Relatively Moderate
Inyo County18,73979.3Relatively Low
Mariposa County17,08286.4Relatively Moderate
Trinity County15,86079.5Relatively Low
Mono County13,14846.5Relatively Low
Modoc County8,60039.7Very Low
Sierra County2,74631.5Very Low
Alpine County1,61610.6Very Low

The county rows show FEMA's own county percentile scores and rating categories; the state figures above are our weighted means. County data cannot establish a property's safety. Expected loss is modeled annual loss per resident, not a premium quote. The insurance figure is what owners with a mortgage reported paying in 2024 (Census American Community Survey), not a current quote. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.

Lowest FEMA county risk scores in California

Cities in California

Frequently asked questions

Is California safe from natural disasters?

California's population-weighted county-score mean is 98.8 out of 100 (very high county-score mean), #51 of 51 from the lowest mean in our state comparison. A state average cannot show whether an individual home is safe. About 94% of residents live in counties FEMA rates relatively high or very high.

What natural disasters happen in California?

The highest population-weighted county hazard-score means in California are earthquake, riverine flooding, wildfire (means 99, 99, 97 on the 0–100 county-score scale). These are not national state percentiles.

Which counties have the lowest modeled risk scores in California?

Among counties with at least 20,000 people, the lowest FEMA county risk scores are in Lassen County, Glenn County, Amador County. Conditions vary within each county; check an individual address separately.