Natural hazards · Grizzly Flats

Grizzly Flats, CA natural hazards

Most of the natural-hazard damage FEMA expects in Grizzly Flats comes from wildfires, 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 Grizzly Flats?

Very high

vs. U.S. communities

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

Wildfire53%Avalanches25%Inland flooding13%Drought6%Everything else2%

By hazard

What Grizzly Flats faces

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

Wildfire

53% of expected damage

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

Avalanches

25% of expected damage

Well below average · higher than 0% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

13% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once a year in the area

Drought

6% of expected damage

Recorded about 71 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesTsunamis

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 Grizzly Flats flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Grizzly Flats 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 Grizzly Flats

Federal disasters declared here

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

Brought FEMA money into Grizzly FlatsDeclared 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. Grizzly Flats 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 Grizzly Flats’s own flood-insurance community; household aid to the registrant’s city; repair grants to Grizzly Flats. 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.