Natural hazards · Apple Valley

Apple Valley, CA natural hazards

Most of the natural-hazard damage FEMA expects in Apple Valley comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 21 claims here since 1998. 7 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Apple Valley?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Apple Valley to be higher than in 91% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding71%Earthquakes24%Everything else5%

By hazard

What Apple Valley faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

71% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 13 times a year in the area

Earthquakes

24% of expected damage

Well above average · higher than 88% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Apple Valley flood?

Every paid claim on a federal flood insurance policy in Apple Valley, from FEMA’s records.

21paid claims since 1998

$536Kpaid to owners

3homes flooded more than once

19982026

Biggest named events

Pineapple Express - Southern: 7 claims, $102K
Winter storm: 1 claim, $33K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Apple Valley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: San Bernardino County.

Disasters that hit Apple Valley

7 federal disasters brought FEMA money here

Disasters the President declared that paid out in Apple Valley itself: aid to households, or repair grants to the Town of Apple Valley.

Brought FEMA money into Apple ValleyDeclared for San Bernardino County only

2023

Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

41 households applied for aid $57K aid approved

2020

Wildfires

23 households applied for aid $3K aid approved

2010

Severe Winter Storms, Flooding, and Debris and Mud Flows

$581K to the Town of Apple Valley for repairs

2007

Wildfires, Flooding, Mud Flows, and Debris Flows

24 households applied for aid

2005

Severe Storms, Flooding, Landslides, and Mud and Debris Flows

$13K to the Town of Apple Valley for repairs

2004

Severe Storms, Flooding, Debris Flows, and Mudslides

63 households applied for aid $23K aid approved $292K to the Town of Apple Valley for repairs

2003

Wildfires, Flooding, Mudflow and Debris Flow Directly Related T

143 households applied for aid $83K aid approved $3K to the Town of Apple Valley for repairs

San Bernardino County has had 56 natural disasters declared since 1953, most often fires and floods.

Around Apple Valley

Apple Valley and the towns around it

Very lowLowModerateHighVery high

Spring Valley Lakemostly inland floodingVery high

Apple Valleymostly inland floodingVery high

Hesperiamostly inland floodingVery high

Victorvillemostly inland floodingHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Apple Valley covers 16 census tracts, combined by population.

Money that reached townFlood claims are matched to Apple Valley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Apple Valley. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Apple Valley total about $48.8M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.