Natural hazards · Ceres

Ceres, CA natural hazards

Most of the natural-hazard damage FEMA expects in Ceres comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2017. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ceres?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ceres to be higher than in 62% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding47%Earthquakes46%Heat waves6%Everything else2%

By hazard

What Ceres faces

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

Inland flooding

47% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

46% of expected damage

Well above average · higher than 86% of U.S. places

Heat waves

6% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 7 times a year in the area

Lower here

TornadoesHailWinter weatherWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis

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 Ceres flood?

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

1paid claims since 2017

$12Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stanislaus County.

Disasters that hit Ceres

2 federal disasters brought FEMA money here

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

Brought FEMA money into CeresDeclared for Stanislaus County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

$31K to the City of Ceres for repairs

2020

Wildfires

3 households applied for aid

Stanislaus County has had 18 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. Ceres covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Ceres’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Ceres. 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 Ceres total about $9.9M 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.