Natural hazards · Galt

Galt, CA natural hazards

Most of the natural-hazard damage FEMA expects in Galt comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1986. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Galt?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Galt to be higher than in 64% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding75%Earthquakes22%Everything else3%

By hazard

What Galt faces

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

Inland flooding

75% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

22% 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 Galt flood?

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

2paid claims since 1986

$69Kpaid to owners

0homes flooded more than once

19862026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Galt 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

1homes raised above flood level

Disasters that hit Galt

1 federal disaster brought FEMA money here

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

Brought FEMA money into GaltDeclared for Sacramento County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

219 households applied for aid $207K aid approved $346K to the City of Galt for repairs

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

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. Galt covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Galt’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Galt. 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 Galt total about $4.9M 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.