Natural hazards · Ione

Ione, CA natural hazards

Most of the natural-hazard damage FEMA expects in Ione comes from drought, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1997. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ione?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ione to be higher than in 86% of U.S. communities, mostly from drought and inland flooding.

Drought46%Inland flooding39%Wildfire10%Everything else5%

By hazard

What Ione faces

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

Drought

46% of expected damage

Recorded about 59 times a year in the area

Inland flooding

39% of expected damage

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

Recorded about once a year in the area

Wildfire

10% of expected damage

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

Lower here

TornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Ione flood?

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

1paid claims since 1997

$2Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Amador County.

Disasters that hit Ione

2 federal disasters brought FEMA money here

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

Brought FEMA money into IoneDeclared for Amador County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

27 households applied for aid $63K aid approved $35K to the City of Ione for repairs

2017

Severe Winter Storms, Flooding, and Mudslides

$16K to the City of Ione for repairs

Amador County has had 18 natural disasters declared since 1953, most often severe storms 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. Ione covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ione’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ione. 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 Ione total about $8.7M 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.