Natural hazards · Concord

Concord, CA natural hazards

Most of the natural-hazard damage FEMA expects in Concord comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 29 claims here since 1980. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Concord?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Concord to be higher than in 93% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes51%Inland flooding47%Everything else3%

By hazard

What Concord faces

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

Earthquakes

51% of expected damage

Well above average · higher than 95% of U.S. places

Inland flooding

47% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong 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 Concord flood?

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

29paid claims since 1980

$114Kpaid to owners

2homes flooded more than once

19802026

Biggest named events

Pineapple Express - Southern: 6 claims, $40K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Concord is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Contra Costa County.

Disasters that hit Concord

2 federal disasters brought FEMA money here

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

Brought FEMA money into ConcordDeclared for Contra Costa County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

111 households applied for aid $193K aid approved $492K to the City of Concord for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

15 households applied for aid $17K aid approved $172K to the City of Concord for repairs

Contra Costa County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Concord

Concord and the towns around it

Very lowLowModerateHighVery high

Claytonmostly inland floodingVery high

Concordmostly earthquakesVery high

Walnut Creekmostly earthquakesVery high

Pleasant Hillmostly earthquakesVery high

Clydemostly earthquakesVery high

Bay Pointmostly earthquakesVery high

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. Concord covers 27 census tracts, combined by population.

Money that reached townFlood claims are matched to Concord’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Concord. 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 Concord total about $93.5M 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.