Cloverdale, CA natural hazards
Most of the natural-hazard damage FEMA expects in Cloverdale comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 10 claims here since 1979. 7 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Cloverdale?
FEMA expects yearly storm and flood damage to homes and buildings in Cloverdale to be higher than in 96% of U.S. communities, mostly from earthquakes and inland flooding.
What Cloverdale faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Earthquakes
Inland flooding
Drought
Lower here
Not a risk here
Does Cloverdale flood?
Every paid claim on a federal flood insurance policy in Cloverdale, from FEMA’s records.
are insured
are insured
7 federal disasters brought FEMA money here
Disasters the President declared that paid out in Cloverdale itself: aid to households, or repair grants to the City of Cloverdale.
Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides
Severe Winter Storms, Flooding, Landslides, and Mudslides
Wildfires
Severe Winter Storms, Flooding, Landslides, and Mudslides
Wildfires
Severe Winter Storms, Flooding, and Mudslides
Severe Storms, Flooding, Mudslides, and Landslides
How to read this page
FEMA’s expected losses across Cloverdale total about $4.8M 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.