Natural hazards · Douglas Flat

Douglas Flat, CA natural hazards

Most of the natural-hazard damage FEMA expects in Douglas Flat comes from wildfires, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Douglas Flat?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Douglas Flat to be higher than in 91% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire64%Inland flooding27%Everything else9%

By hazard

What Douglas Flat faces

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

Wildfire

64% of expected damage

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

Inland flooding

27% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDroughtAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesTsunamis

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 Douglas Flat flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Calaveras County.

Disasters that hit Douglas Flat

1 federal disaster brought FEMA money here

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

Brought FEMA money into Douglas FlatDeclared for Calaveras County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

2 households applied for aid $9K aid approved

Calaveras County has had 19 natural disasters declared since 1953, most often severe storms and fires.

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. Douglas Flat 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 Douglas Flat’s own flood-insurance community; household aid to the registrant’s city; repair grants to Douglas Flat. 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.