Natural hazards · Garden Acres

Garden Acres, CA natural hazards

Most of the natural-hazard damage FEMA expects in Garden Acres comes from earthquakes, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Garden Acres?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garden Acres to be higher than in 31% of U.S. communities, mostly from earthquakes.

Earthquakes82%Inland flooding9%Heat waves6%Everything else3%

By hazard

What Garden Acres faces

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

Earthquakes

82% of expected damage

Well above average · higher than 88% of U.S. places

Inland flooding

9% of expected damage

Well below average · higher than 1% of U.S. places

Recorded about once a year in the area

Heat waves

6% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 7 times a year in the area

Lower here

TornadoesHailWinter weatherWildfireLandslidesStrong 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 Garden Acres flood?

FEMA's records show no paid flood insurance claims in Garden Acres.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Garden Acres isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: San Joaquin County.

Disasters that hit Garden Acres

Federal disasters declared here

None of the disasters declared for San Joaquin County shows FEMA aid or repair money reaching Garden Acres itself in FEMA’s records.

Brought FEMA money into Garden AcresDeclared for San Joaquin County only

San Joaquin County has had 23 natural disasters declared since 1953, most often floods and severe storms.

Around Garden Acres

Garden Acres and the towns around it

Very lowLowModerateHighVery high

Stocktonmostly earthquakesModerate

Garden Acresmostly 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. Garden Acres covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Garden Acres’s own flood-insurance community; household aid to the registrant’s city; repair grants to Garden Acres. 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 Garden Acres total about $2.8M 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.