Natural hazards · Georgetown

Georgetown, CA natural hazards

Most of the natural-hazard damage FEMA expects in Georgetown comes from avalanches, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Georgetown?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgetown to be higher than in 99% of U.S. communities, mostly from avalanches and wildfires.

Avalanches51%Wildfire45%Everything else5%

By hazard

What Georgetown faces

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

Avalanches

51% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 3 years in the area

Wildfire

45% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

Inland floodingTornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtTsunamis

Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Georgetown flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: El Dorado County.

Disasters that hit Georgetown

Federal disasters declared here

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

Brought FEMA money into GeorgetownDeclared for El Dorado County only

El Dorado County has had 21 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. Georgetown is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Georgetown’s own flood-insurance community; household aid to the registrant’s city; repair grants to Georgetown. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.