Natural hazards · Healdsburg

Healdsburg, CA natural hazards

Most of the natural-hazard damage FEMA expects in Healdsburg comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 52 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

How exposed is Healdsburg?

94
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Healdsburg to be higher than in 94% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes64%Inland flooding36%
By hazard

What Healdsburg faces

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

Earthquakes

64% of expected damage
Well above average · higher than 98% of U.S. places

Inland flooding

36% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 3 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis
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 Healdsburg flood?

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

52paid claims since 1978
$847Kpaid to owners
8homes flooded more than once
19782026

Biggest named events

  • California Atmospheric River: 1 claim, $43K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Healdsburg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sonoma County.
Disasters that hit Healdsburg

4 federal disasters brought FEMA money here

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

Brought FEMA money into HealdsburgDeclared for Sonoma County only
2020

Wildfires

241 households applied for aid $688K aid approved $22K to the City of Healdsburg for repairs
2017

Wildfires

111 households applied for aid $2K aid approved $30K to the City of Healdsburg for repairs
2006

Severe Storms, Flooding, Landslides, and Mudslides

$19K to the City of Healdsburg for repairs
2005

Severe Storms, Flooding, Mudslides, and Landslides

13 households applied for aid $18K aid approved $90K to the City of Healdsburg for repairs
Sonoma County has had 29 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. Healdsburg covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Healdsburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Healdsburg. 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 Healdsburg total about $11.2M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01