Natural hazards · Castroville

Castroville, CA natural hazards

Most of the natural-hazard damage FEMA expects in Castroville comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 1995. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Castroville?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Castroville to be higher than in 90% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes71%Inland flooding26%Everything else3%

By hazard

What Castroville faces

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

Earthquakes

71% of expected damage

Well above average · higher than 98% of U.S. places

Inland flooding

26% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtTsunamis

Not a risk here

HurricanesIce stormsCold wavesAvalanchesVolcanic 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 Castroville flood?

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

4paid claims since 1995

$48Kpaid to owners

0homes flooded more than once

19952026

Biggest named events

Pineapple Express - Southern: 3 claims, $16K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monterey County.

Disasters that hit Castroville

3 federal disasters brought FEMA money here

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

Brought FEMA money into CastrovilleDeclared for Monterey County only

2023

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

69 households applied for aid $276K aid approved

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

31 households applied for aid $49K aid approved

2020

Wildfires

5 households applied for aid

Monterey County has had 30 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. Castroville covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Castroville’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Castroville. 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 Castroville total about $3.4M 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.