Natural hazards · Lathrop

Lathrop, CA natural hazards

Most of the natural-hazard damage FEMA expects in Lathrop comes from earthquakes, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2006. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lathrop?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lathrop to be higher than in 32% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes66%Inland flooding23%Heat waves9%Everything else3%

By hazard

What Lathrop faces

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

Earthquakes

66% of expected damage

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

Inland flooding

23% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about once a year in the area

Heat waves

9% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 7 times a year in the area

Lower here

TornadoesHailWinter weatherStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesWildfireLandslidesAvalanchesTsunamis

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 Lathrop flood?

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

1paid claims since 2006

$7Kpaid to owners

0homes flooded more than once

20062026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: San Joaquin County.

Disasters that hit Lathrop

1 federal disaster brought FEMA money here

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

Brought FEMA money into LathropDeclared for San Joaquin County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

22 households applied for aid $3K aid approved

San Joaquin County has had 23 natural disasters declared since 1953, most often floods and severe storms.

Around Lathrop

Lathrop and the towns around it

Very lowLowModerateHighVery high

Mantecamostly inland floodingHigh

French Campmostly earthquakesHigh

Lathropmostly earthquakesLow

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. Lathrop covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Lathrop’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lathrop. 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 Lathrop total about $2.1M 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.