Natural hazards · Harbison Canyon

Harbison Canyon, CA natural hazards

Most of the natural-hazard damage FEMA expects in Harbison Canyon comes from wildfires, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 1993.

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

Expected damage

How exposed is Harbison Canyon?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harbison Canyon to be higher than in 99% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire76%Inland flooding20%Everything else4%

By hazard

What Harbison Canyon faces

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

Wildfire

76% of expected damage

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

Inland flooding

20% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesTornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Harbison Canyon flood?

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

3paid claims since 1993

$18Kpaid to owners

0homes flooded more than once

19932026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Harbison Canyon 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 Harbison Canyon

Federal disasters declared here

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

Brought FEMA money into Harbison CanyonDeclared for San Diego County only

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

Around Harbison Canyon

Harbison Canyon and the towns around it

Very lowLowModerateHighVery high

Harbison Canyonmostly wildfiresVery high

Alpinemostly wildfiresVery high

Crestmostly wildfiresVery high

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. Harbison Canyon covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harbison Canyon’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Harbison Canyon. 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 Harbison Canyon total about $3.6M 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.