Natural hazards · Crest

Crest, CA natural hazards

Most of the natural-hazard damage FEMA expects in Crest comes from wildfires, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 1993. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Crest?

Very high

vs. U.S. communities

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

Wildfire72%Inland flooding22%Everything else6%

By hazard

What Crest faces

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

Wildfire

72% of expected damage

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

Inland flooding

22% of expected damage

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

Recorded about 8 times a year in the area

Lower here

HurricanesTornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsCold wavesAvalanchesTsunamisVolcanic 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 Crest flood?

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

2paid claims since 1993

$46Kpaid to owners

0homes flooded more than once

19932026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Crest 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 Crest

2 federal disasters brought FEMA money here

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

Brought FEMA money into CrestDeclared for San Diego County only

2024

Severe Storm and Flooding

1 household applied for aid

2003

Wildfires, Flooding, Mudflow and Debris Flow Directly Related T

9 households applied for aid $59K aid approved

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

Around Crest

Crest and the towns around it

Very lowLowModerateHighVery high

Harbison Canyonmostly wildfiresVery high

Crestmostly wildfiresVery high

Granite Hillsmostly inland floodingHigh

Rancho San Diegomostly inland floodingHigh

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. Crest covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Crest’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Crest. 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 Crest total about $4.6M 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.