Natural hazards · Del Monte Forest

Del Monte Forest, CA natural hazards

Most of the natural-hazard damage FEMA expects in Del Monte Forest comes from earthquakes, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2022.

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

Expected damage

How exposed is Del Monte Forest?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Del Monte Forest to be higher than in 38% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes56%Inland flooding42%Everything else2%

By hazard

What Del Monte Forest faces

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

Earthquakes

56% of expected damage

Well above average · higher than 86% of U.S. places

Inland flooding

42% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningTsunamis

Not a risk here

HurricanesIce stormsCold 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 Del Monte Forest flood?

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

3paid claims since 2022

$32Kpaid to owners

0homes flooded more than once

20222026

Biggest named events

California Atmospheric River: 2 claims, $12K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monterey County.

Disasters that hit Del Monte Forest

Federal disasters declared here

None of the disasters declared for Monterey County shows FEMA aid or repair money reaching Del Monte Forest itself in FEMA’s records.

Brought FEMA money into Del Monte ForestDeclared for Monterey County only

Monterey County has had 30 natural disasters declared since 1953, most often floods and severe storms.

Around Del Monte Forest

Del Monte Forest and the towns around it

Very lowLowModerateHighVery high

Carmel-by-the-Seamostly earthquakesHigh

Montereymostly earthquakesHigh

Pacific Grovemostly earthquakesModerate

Del Monte Forestmostly earthquakesLow

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. Del Monte Forest covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Del Monte Forest’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Del Monte Forest. 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 Del Monte Forest total about $3.6M 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.