Natural hazards · Grand Terrace

Grand Terrace, CA natural hazards

Most of the natural-hazard damage FEMA expects in Grand Terrace comes from earthquakes, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Grand Terrace?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grand Terrace to be higher than in 97% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes55%Inland flooding43%Everything else2%

By hazard

What Grand Terrace faces

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

Earthquakes

55% of expected damage

Well above average · higher than 98% of U.S. places

Inland flooding

43% of expected damage

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

Recorded about 13 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesIce 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 Grand Terrace flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Grand Terrace 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 Bernardino County.

Disasters that hit Grand Terrace

5 federal disasters brought FEMA money here

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

Brought FEMA money into Grand TerraceDeclared for San Bernardino County only

2023

Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

4 households applied for aid $13K aid approved

2020

Wildfires

2 households applied for aid

2010

Severe Winter Storms, Flooding, and Debris and Mud Flows

$18K to the City of Grand Terrace for repairs

2004

Severe Storms, Flooding, Debris Flows, and Mudslides

1 household applied for aid $5K to the City of Grand Terrace for repairs

2003

Wildfires, Flooding, Mudflow and Debris Flow Directly Related T

5 households applied for aid $153 aid approved

San Bernardino County has had 56 natural disasters declared since 1953, most often fires and floods.

Around Grand Terrace

Grand Terrace and the towns around it

Very lowLowModerateHighVery high

Coltonmostly earthquakesVery high

Grand Terracemostly earthquakesVery 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. Grand Terrace covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Grand Terrace’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Grand Terrace. 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 Grand Terrace total about $14.3M 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.