Natural hazards · Laguna Hills

Laguna Hills, CA natural hazards

Most of the natural-hazard damage FEMA expects in Laguna Hills comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 1998. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Laguna Hills?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laguna Hills to be higher than in 81% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding68%Earthquakes30%Everything else1%

By hazard

What Laguna Hills faces

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

Inland flooding

68% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

30% of expected damage

Well above average · higher than 87% of U.S. places

Lower here

TornadoesHailHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesIce stormsWinter weatherCold wavesAvalanchesTsunamisVolcanic 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 Laguna Hills flood?

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

2paid claims since 1998

$30Kpaid to owners

0homes flooded more than once

19982026

Biggest named events

California Atmospheric River: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Orange County.

Disasters that hit Laguna Hills

3 federal disasters brought FEMA money here

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

Brought FEMA money into Laguna HillsDeclared for Orange County only

2017

Wildfires

23 households applied for aid

2010

Severe Winter Storms, Flooding, and Debris and Mud Flows

$10K to the City of Laguna Hills for repairs

2004

Severe Storms, Flooding, Debris Flows, and Mudslides

7 households applied for aid $11K aid approved

Orange County has had 36 natural disasters declared since 1953, most often fires and floods.

Around Laguna Hills

Laguna Hills and the towns around it

Very lowLowModerateHighVery high

Irvinemostly inland floodingVery high

Mission Viejomostly inland floodingVery high

Lake Forestmostly inland floodingVery high

Laguna Hillsmostly inland floodingVery high

Laguna Woodsmostly inland floodingVery high

Aliso Viejomostly inland floodingHigh

Laguna Niguelmostly inland floodingHigh

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. Laguna Hills covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Laguna Hills’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Laguna Hills. 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 Laguna Hills total about $13.0M 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.