Natural hazards · Florin

Florin, CA natural hazards

Most of the natural-hazard damage FEMA expects in Florin comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 13 claims here since 1995.

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

Expected damage

How exposed is Florin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florin to be higher than in 39% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding64%Earthquakes32%Everything else4%

By hazard

What Florin 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 50% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

32% of expected damage

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

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamis

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 Florin flood?

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

13paid claims since 1995

$156Kpaid to owners

0homes flooded more than once

19952026

Biggest named events

California Atmospheric River: 1 claim, $98K
Pineapple Express - Southern: 1 claim, $979

of homes in flood zones
are insured

of all homes
are insured

No community discount. Florin 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.

Disasters that hit Florin

Federal disasters declared here

None of the disasters declared for Sacramento County shows FEMA aid or repair money reaching Florin itself in FEMA’s records.

Brought FEMA money into FlorinDeclared for Sacramento County only

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

Around Florin

Florin and the towns around it

Very lowLowModerateHighVery high

Vineyardmostly inland floodingModerate

Florinmostly inland floodingLow

Elk Grovemostly inland floodingLow

Sacramentomostly earthquakesLow

Parkwaymostly earthquakesVery low

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. Florin covers 11 census tracts, combined by population.

Money that reached townFlood claims are matched to Florin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Florin. 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 Florin total about $7.6M 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.