Natural hazards · Cold Springs

Cold Springs, CA natural hazards

Most of the natural-hazard damage FEMA expects in Cold Springs comes from wildfires, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Cold Springs?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cold Springs to be higher than in 99% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire66%Inland flooding31%Everything else3%

By hazard

What Cold Springs faces

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

Wildfire

66% of expected damage

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

Inland flooding

31% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtTsunamis

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 Cold Springs flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tuolumne County.

Disasters that hit Cold Springs

Federal disasters declared here

None of the disasters declared for Tuolumne County shows FEMA aid or repair money reaching Cold Springs itself in FEMA’s records.

Brought FEMA money into Cold SpringsDeclared for Tuolumne County only

Tuolumne County has had 17 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. Cold Springs 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 Cold Springs’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cold Springs. 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.