Natural hazards · Folsom

Folsom, CA natural hazards

Most of the natural-hazard damage FEMA expects in Folsom comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 16 claims here since 1986. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Folsom?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Folsom to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding81%Earthquakes11%Wildfire6%Everything else2%

By hazard

What Folsom faces

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

Inland flooding

81% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

11% of expected damage

Well above average · higher than 75% of U.S. places

Wildfire

6% of expected damage

Well above average · higher than 93% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong 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 Folsom flood?

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

16paid claims since 1986

$501Kpaid to owners

3homes flooded more than once

19862026

Biggest named events

Pineapple Express - Southern: 1 claim, $2K

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. Folsom 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 Folsom

2 federal disasters brought FEMA money here

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

Brought FEMA money into FolsomDeclared for Sacramento County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

80 households applied for aid $38K aid approved $6K to the City of Folsom for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

$53K to the City of Folsom for repairs

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

Around Folsom

Folsom and the towns around it

Very lowLowModerateHighVery high

Granite Baymostly inland floodingModerate

Folsommostly inland floodingModerate

El Dorado Hillsmostly inland floodingModerate

Orangevalemostly inland floodingLow

Fair Oaksmostly 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. Folsom covers 16 census tracts, combined by population.

Money that reached townFlood claims are matched to Folsom’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Folsom. 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 Folsom total about $24.1M 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.