Natural hazards · Gold River

Gold River, CA natural hazards

Most of the natural-hazard damage FEMA expects in Gold River comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1995. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gold River?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gold River to be higher than in 40% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding79%Earthquakes19%Everything else2%

By hazard

What Gold River faces

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

Inland flooding

79% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

19% of expected damage

Well above average · higher than 80% 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 Gold River flood?

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

1paid claims since 1995

$6Kpaid to owners

0homes flooded more than once

19952026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Gold River 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 Gold River

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Gold River itself: aid to households, or repair grants to Gold River.

Brought FEMA money into Gold RiverDeclared for Sacramento County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

1 household applied for aid $17K aid approved

2005

Severe Storms, Flooding, Mudslides, and Landslides

2 households applied for aid

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

Around Gold River

Gold River and the towns around it

Very lowLowModerateHighVery high

Gold Rivermostly inland floodingModerate

Rancho Cordovamostly 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. Gold River covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Gold River’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Gold River. 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 Gold River total about $3.7M 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.