Natural hazards · Granite Hills

Granite Hills, CA natural hazards

Most of the natural-hazard damage FEMA expects in Granite Hills comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2004.

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

Expected damage

How exposed is Granite Hills?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Granite Hills to be higher than in 78% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding60%Wildfire28%Earthquakes9%Everything else3%

By hazard

What Granite Hills faces

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

Inland flooding

60% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 8 times a year in the area

Wildfire

28% of expected damage

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

Earthquakes

9% of expected damage

Well above average · higher than 79% of U.S. places

Lower here

HurricanesTornadoesHailWinter weatherHeat wavesLandslidesStrong 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 Granite Hills flood?

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

2paid claims since 2004

$56Kpaid to owners

0homes flooded more than once

20042026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Granite Hills 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 Diego County.

Disasters that hit Granite Hills

Federal disasters declared here

None of the disasters declared for San Diego County shows FEMA aid or repair money reaching Granite Hills itself in FEMA’s records.

Brought FEMA money into Granite HillsDeclared for San Diego County only

San Diego County has had 44 natural disasters declared since 1953, most often fires and floods.

Around Granite Hills

Granite Hills and the towns around it

Very lowLowModerateHighVery high

Crestmostly wildfiresVery high

Granite Hillsmostly inland floodingHigh

El Cajonmostly inland floodingHigh

Rancho San Diegomostly inland floodingHigh

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 Hills covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Granite Hills’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Granite Hills. 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 Hills total about $3.2M 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.