Natural hazards · Arnold

Arnold, CA natural hazards

Most of the natural-hazard damage FEMA expects in Arnold comes from wildfires, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Arnold?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Arnold to be higher than in 77% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire58%Inland flooding32%Everything else10%

By hazard

What Arnold faces

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

Wildfire

58% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

32% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamis

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 Arnold flood?

FEMA's records show no paid flood insurance claims in Arnold.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Calaveras County.

Disasters that hit Arnold

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Arnold itself: aid to households, or repair grants to Arnold.

Brought FEMA money into ArnoldDeclared for Calaveras County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

9 households applied for aid $12K aid approved

2015

Valley Fire and Butte Fire

7 households applied for aid $1K aid approved

Calaveras County has had 19 natural disasters declared since 1953, most often severe storms and fires.

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. Arnold covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Arnold’s own flood-insurance community; household aid to the registrant’s city; repair grants to Arnold. 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 Arnold total about $1.3M 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.