Natural hazards · Larkspur

Larkspur, CA natural hazards

Most of the natural-hazard damage FEMA expects in Larkspur comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 98 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Larkspur?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Larkspur to be higher than in 92% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes50%Inland flooding46%Everything else5%

By hazard

What Larkspur faces

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

Earthquakes

50% of expected damage

Well above average · higher than 95% of U.S. places

Inland flooding

46% of expected damage

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

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtTsunamisVolcanic activity

Not a risk here

HurricanesIce stormsCold wavesAvalanches

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 Larkspur flood?

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

98paid claims since 1978

$2.8Mpaid to owners

7homes flooded more than once

19782026

Biggest named events

Pineapple Express - Southern: 15 claims, $277K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marin County.

Disasters that hit Larkspur

5 federal disasters brought FEMA money here

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

Brought FEMA money into LarkspurDeclared for Marin County only

2023

Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$272K to the City of Larkspur for repairs

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

$83K to the City of Larkspur for repairs

2017

Severe Winter Storms, Flooding, and Mudslides

$483K to the City of Larkspur for repairs

2006

Severe Storms, Flooding, Landslides, and Mudslides

$252K to the City of Larkspur for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

21 households applied for aid $37K aid approved $706K to the City of Larkspur for repairs

Marin County has had 22 natural disasters declared since 1953, most often floods and severe storms.

Around Larkspur

Larkspur and the towns around it

Very lowLowModerateHighVery high

San Rafaelmostly earthquakesVery high

Larkspurmostly earthquakesVery high

Kentfieldmostly earthquakesVery high

Corte Maderamostly earthquakesVery high

Mill Valleymostly earthquakesVery 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. Larkspur covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Larkspur’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Larkspur. 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 Larkspur total about $15.4M 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.