Natural hazards · Garnet

Garnet, CA natural hazards

Most of the natural-hazard damage FEMA expects in Garnet comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 2019.

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

Expected damage

How exposed is Garnet?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garnet to be higher than in 93% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes49%Inland flooding49%Everything else2%

By hazard

What Garnet faces

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

Earthquakes

49% of expected damage

Well above average · higher than 96% of U.S. places

Inland flooding

49% of expected damage

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

Recorded about 7 times a year in the area

Lower here

HurricanesTornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingIce stormsCold wavesDroughtAvalanchesTsunamisVolcanic activity

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 Garnet flood?

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

1paid claims since 2019

$17Kpaid to owners

0homes flooded more than once

20192026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Riverside County.

Disasters that hit Garnet

Federal disasters declared here

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

Brought FEMA money into GarnetDeclared for Riverside County only

Riverside County has had 61 natural disasters declared since 1953, most often fires and floods.

Around Garnet

Garnet and the towns around it

Very lowLowModerateHighVery high

Desert Hot Springsmostly earthquakesVery high

Garnetmostly earthquakesVery high

Cathedral Citymostly inland floodingVery high

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. Garnet covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Garnet’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Garnet. 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 Garnet total about $4.2M 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.