Natural hazards · Gustine

Gustine, CA natural hazards

Most of the natural-hazard damage FEMA expects in Gustine comes from earthquakes, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gustine?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gustine to be higher than in 85% of U.S. communities, mostly from earthquakes and drought.

Earthquakes44%Drought34%Inland flooding18%Everything else4%

By hazard

What Gustine faces

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

Earthquakes

44% of expected damage

Well above average · higher than 95% of U.S. places

Drought

34% of expected damage

Recorded about 80 times a year in the area

Inland flooding

18% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamisVolcanic 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 Gustine flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Merced County.

Disasters that hit Gustine

2 federal disasters brought FEMA money here

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

Brought FEMA money into GustineDeclared for Merced County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

17 households applied for aid $85K aid approved

2017

Severe Winter Storms, Flooding, and Mudslides

$32K to the City of Gustine for repairs

Merced County has had 16 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. Gustine 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 Gustine’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gustine. 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.