Natural hazards · Elk Grove

Elk Grove, CA natural hazards

Most of the natural-hazard damage FEMA expects in Elk Grove comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 2017. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Elk Grove?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elk Grove to be higher than in 35% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding69%Earthquakes27%Everything else4%

By hazard

What Elk Grove faces

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

Inland flooding

69% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

27% of expected damage

Well above average · higher than 82% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis

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 Elk Grove flood?

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

6paid claims since 2017

$204Kpaid to owners

1homes flooded more than once

20172026

Biggest named events

California Atmospheric River: 1 claim, $16K

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. Elk Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Sacramento County.

What’s been done with FEMA grants

11homes raised above flood level

Disasters that hit Elk Grove

2 federal disasters brought FEMA money here

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

Brought FEMA money into Elk GroveDeclared for Sacramento County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

335 households applied for aid $238K aid approved

2005

Severe Storms, Flooding, Mudslides, and Landslides

2 households applied for aid

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

Around Elk Grove

Elk Grove and the towns around it

Very lowLowModerateHighVery high

Vineyardmostly inland floodingModerate

Florinmostly inland floodingLow

Elk Grovemostly inland floodingLow

Sacramentomostly 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. Elk Grove covers 32 census tracts, combined by population.

Money that reached townFlood claims are matched to Elk Grove’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Elk Grove. 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 Elk Grove total about $30.9M 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.