Natural hazards · Elverta

Elverta, CA natural hazards

Most of the natural-hazard damage FEMA expects in Elverta comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 29 claims here since 1982. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Elverta?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elverta to be higher than in 47% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding64%Earthquakes19%Wildfire7%Drought6%Everything else4%

By hazard

What Elverta faces

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

Inland flooding

64% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

19% of expected damage

Well above average · higher than 81% of U.S. places

Wildfire

7% of expected damage

Well above average · higher than 94% of U.S. places

Drought

6% of expected damage

Recorded about 56 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningVolcanic 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 Elverta flood?

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

29paid claims since 1982

$699Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Elverta 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

3homes raised above flood level

Disasters that hit Elverta

1 federal disaster brought FEMA money here

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

Brought FEMA money into ElvertaDeclared for Sacramento County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

17 households applied for aid $59K aid approved

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

Around Elverta

Elverta and the towns around it

Very lowLowModerateHighVery high

Elvertamostly inland floodingModerate

Rio Lindamostly inland floodingLow

Antelopemostly inland floodingLow

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. Elverta covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Elverta’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Elverta. 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 Elverta total about $1.5M 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.