Natural hazards · Grover Beach

Grover Beach, CA natural hazards

Most of the natural-hazard damage FEMA expects in Grover Beach comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1998. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Grover Beach?

High

vs. U.S. communities

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

Inland flooding63%Earthquakes29%Tsunamis8%

By hazard

What Grover Beach faces

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

Inland flooding

63% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

29% of expected damage

Well above average · higher than 86% of U.S. places

Tsunamis

8% of expected damage

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

Lower here

Coastal floodingTornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

HurricanesIce stormsCold wavesAvalanchesVolcanic 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 Grover Beach flood?

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

3paid claims since 1998

$45Kpaid to owners

0homes flooded more than once

19982026

Biggest named events

Pineapple Express - Southern: 2 claims, $15K
California Atmospheric River: 1 claim, $31K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Grover Beach 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 Luis Obispo County.

Disasters that hit Grover Beach

6 federal disasters brought FEMA money here

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

Brought FEMA money into Grover BeachDeclared for San Luis Obispo County only

2024

Severe Winter Storms, Tornadoes, Flooding, Landslides, and Mudslides

$16K to the City of Grover Beach for repairs

2023

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

9 households applied for aid $21K aid approved $43K to the City of Grover Beach for repairs

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

46 households applied for aid $142K aid approved $152K to the City of Grover Beach for repairs

2010

Severe Winter Storms, Flooding, and Debris and Mud Flows

$4K to the City of Grover Beach for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

$19K to the City of Grover Beach for repairs

2003

Earthquake

16 households applied for aid $15K aid approved

San Luis Obispo County has had 24 natural disasters declared since 1953, most often floods and severe storms.

Around Grover Beach

Grover Beach and the towns around it

Very lowLowModerateHighVery high

Arroyo Grandemostly inland floodingVery high

Pismo Beachmostly inland floodingVery high

Oceanomostly inland floodingVery high

Grover Beachmostly 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. Grover Beach covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Grover Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Grover Beach. 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 Grover Beach total about $5.2M 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.