Natural hazards · Cottonwood

Cottonwood, CA natural hazards

Most of the natural-hazard damage FEMA expects in Cottonwood 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 Cottonwood?

Very high

vs. U.S. communities

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

Wildfire59%Inland flooding23%Earthquakes16%Everything else2%

By hazard

What Cottonwood faces

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

Wildfire

59% of expected damage

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

Inland flooding

23% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 87% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamis

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 Cottonwood flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shasta County.

Disasters that hit Cottonwood

Federal disasters declared here

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

Brought FEMA money into CottonwoodDeclared for Shasta County only

Shasta County has had 35 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. Cottonwood 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 Cottonwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cottonwood. 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.