Natural hazards · Home Gardens

Home Gardens, CA natural hazards

Most of the natural-hazard damage FEMA expects in Home Gardens 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 Home Gardens?

Very high

vs. U.S. communities

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

Inland flooding57%Earthquakes42%Everything else2%

By hazard

What Home Gardens faces

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

Inland flooding

57% of expected damage

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

Recorded about 7 times a year in the area

Earthquakes

42% of expected damage

Well above average · higher than 92% of U.S. places

Lower here

HurricanesTornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong 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 Home Gardens flood?

FEMA's records show no paid flood insurance claims in Home Gardens.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Riverside County.

Disasters that hit Home Gardens

Federal disasters declared here

None of the disasters declared for Riverside County shows FEMA aid or repair money reaching Home Gardens itself in FEMA’s records.

Brought FEMA money into Home GardensDeclared for Riverside County only

Riverside County has had 61 natural disasters declared since 1953, most often fires and floods.

Around Home Gardens

Home Gardens and the towns around it

Very lowLowModerateHighVery high

Riversidemostly inland floodingVery high

Coronamostly inland floodingVery high

Home Gardensmostly inland floodingVery high

El Sobrantemostly inland floodingVery 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. Home Gardens covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Home Gardens’s own flood-insurance community; household aid to the registrant’s city; repair grants to Home Gardens. 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 Home Gardens total about $4.6M 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.