Natural hazards · Granite Bay

Granite Bay, CA natural hazards

Most of the natural-hazard damage FEMA expects in Granite Bay comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 99 claims here since 1982. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Granite Bay?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Granite Bay to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding89%Wildfire5%Everything else6%

By hazard

What Granite Bay faces

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

Inland flooding

89% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once a year in the area

Wildfire

5% of expected damage

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

Lower here

TornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Granite Bay flood?

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

99paid claims since 1982

$3.7Mpaid to owners

0homes flooded more than once

19822026

Biggest named events

Pineapple Express - Southern: 4 claims, $25K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Placer County.

What’s been done with FEMA grants

57homes raised above flood level

Disasters that hit Granite Bay

1 federal disaster brought FEMA money here

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

Brought FEMA money into Granite BayDeclared for Placer County only

2021

Wildfires

19 households applied for aid

Placer County has had 24 natural disasters declared since 1953, most often fires and floods.

Around Granite Bay

Granite Bay and the towns around it

Very lowLowModerateHighVery high

Granite Baymostly inland floodingModerate

Loomismostly inland floodingModerate

Rosevillemostly inland floodingModerate

Folsommostly inland floodingModerate

Rocklinmostly 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. Granite Bay covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Granite Bay’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Granite Bay. 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 Granite Bay total about $10.8M 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.