Natural hazards · Coarsegold

Coarsegold, CA natural hazards

Most of the natural-hazard damage FEMA expects in Coarsegold comes from wildfires, and overall the risk is very 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 Coarsegold?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coarsegold to be higher than in 97% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire76%Inland flooding19%Everything else6%

By hazard

What Coarsegold faces

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

Wildfire

76% of expected damage

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

Inland flooding

19% of expected damage

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

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDroughtAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesTsunamis

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 Coarsegold flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Madera County.

Disasters that hit Coarsegold

2 federal disasters brought FEMA money here

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

Brought FEMA money into CoarsegoldDeclared for Madera County only

2023

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

84 households applied for aid $358K aid approved

2020

Wildfires

4 households applied for aid

Madera County has had 23 natural disasters declared since 1953, most often fires and floods.

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. Coarsegold covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Coarsegold’s own flood-insurance community; household aid to the registrant’s city; repair grants to Coarsegold. 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 Coarsegold total about $4.7M 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.