Natural hazards · Hilmar-Irwin

Hilmar-Irwin, CA natural hazards

Most of the natural-hazard damage FEMA expects in Hilmar-Irwin comes from earthquakes, 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 Hilmar-Irwin?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hilmar-Irwin to be higher than in 77% of U.S. communities, mostly from earthquakes and drought.

Earthquakes58%Drought26%Inland flooding14%Everything else2%

By hazard

What Hilmar-Irwin faces

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

Earthquakes

58% of expected damage

Well above average · higher than 94% of U.S. places

Drought

26% of expected damage

Recorded about 72 times a year in the area

Inland flooding

14% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningVolcanic 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 Hilmar-Irwin flood?

FEMA's records show no paid flood insurance claims in Hilmar-Irwin.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hilmar-Irwin 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 Hilmar-Irwin

Federal disasters declared here

None of the disasters declared for Merced County shows FEMA aid or repair money reaching Hilmar-Irwin itself in FEMA’s records.

Brought FEMA money into Hilmar-IrwinDeclared for Merced County only

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