Natural hazards · Harmony Grove

Harmony Grove, CA natural hazards

Most of the natural-hazard damage FEMA expects in Harmony Grove comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Harmony Grove?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony Grove to be higher than in 72% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding56%Wildfire28%Earthquakes13%Everything else3%

By hazard

What Harmony Grove faces

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

Inland flooding

56% of expected damage

Above average · higher than 71% 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

13% of expected damage

Well above average · higher than 81% 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 Harmony Grove flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Harmony Grove 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 Harmony Grove

Federal disasters declared here

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

Brought FEMA money into Harmony GroveDeclared for San Diego County only

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

Around Harmony Grove

Harmony Grove and the towns around it

Very lowLowModerateHighVery high

Escondidomostly inland floodingHigh

Harmony Grovemostly inland floodingHigh

San Marcosmostly 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. Harmony Grove covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harmony Grove’s own flood-insurance community; household aid to the registrant’s city; repair grants to Harmony Grove. 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 Harmony Grove total about $2.1M 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.