Natural hazards · Hat Creek

Hat Creek, CA natural hazards

Most of the natural-hazard damage FEMA expects in Hat Creek comes from inland flooding, 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 Hat Creek?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hat Creek to be higher than in 90% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding64%Earthquakes17%Drought11%Wildfire7%Everything else1%

By hazard

What Hat Creek faces

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

Inland flooding

64% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Earthquakes

17% of expected damage

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

Drought

11% of expected damage

Recorded about 98 times a year in the area

Wildfire

7% of expected damage

Well above average · higher than 97% of U.S. places

Lower here

TornadoesHailWinter weatherCold wavesHeat wavesLandslidesStrong windLightningAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsTsunamis

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 Hat Creek flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shasta County.

Disasters that hit Hat Creek

Federal disasters declared here

None of the disasters declared for Shasta County shows FEMA aid or repair money reaching Hat Creek itself in FEMA’s records.

Brought FEMA money into Hat CreekDeclared for Shasta County only

Shasta County has had 35 natural disasters declared since 1953, most often fires and floods.

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. Hat Creek 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 Hat Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to Hat Creek. 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.