Natural hazards · Coronado

Coronado, CA natural hazards

Most of the natural-hazard damage FEMA expects in Coronado comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 31 claims here since 1980. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Coronado?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coronado to be higher than in 80% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes47%Inland flooding45%Everything else8%

By hazard

What Coronado faces

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

Earthquakes

47% of expected damage

Well above average · higher than 90% of U.S. places

Inland flooding

45% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 8 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailHeat wavesWildfireLandslidesStrong windLightningTsunamis

Not a risk here

Ice stormsWinter weatherCold wavesDroughtAvalanchesVolcanic activity

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 Coronado flood?

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

31paid claims since 1980

$2.1Mpaid to owners

5homes flooded more than once

19802026

Biggest named events

San Diego Flooding: 21 claims, $2.0M

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

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

Insurance rates: San Diego County.

Disasters that hit Coronado

4 federal disasters brought FEMA money here

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

Brought FEMA money into CoronadoDeclared for San Diego County only

2024

Severe Storm and Flooding

84 households applied for aid $622K aid approved

2020

Wildfires

9 households applied for aid

2007

Wildfires, Flooding, Mud Flows, and Debris Flows

2 households applied for aid

2004

Severe Storms, Flooding, Debris Flows, and Mudslides

$39K to the City of Coronado for repairs

San Diego County has had 44 natural disasters declared since 1953, most often fires and floods.

Around Coronado

Coronado and the towns around it

Very lowLowModerateHighVery high

Imperial Beachmostly inland floodingVery high

Coronadomostly earthquakesVery high

San Diegomostly earthquakesHigh

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. Coronado covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Coronado’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Coronado. 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 Coronado total about $13.8M 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.