Natural hazards · Caspar

Caspar, CA natural hazards

Most of the natural-hazard damage FEMA expects in Caspar comes from earthquakes, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Caspar?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Caspar to be higher than in 85% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes67%Inland flooding28%Everything else5%

By hazard

What Caspar faces

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

Earthquakes

67% of expected damage

Well above average · higher than 96% of U.S. places

Inland flooding

28% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtTsunamisVolcanic activity

Not a risk here

HurricanesIce stormsCold wavesAvalanches

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 Caspar flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mendocino County.

Disasters that hit Caspar

1 federal disaster brought FEMA money here

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

Brought FEMA money into CasparDeclared for Mendocino County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

1 household applied for aid $7K aid approved

Mendocino County has had 26 natural disasters declared since 1953, most often floods and severe storms.

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. Caspar is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.