Natural hazards · Lincoln

Lincoln, CA natural hazards

Most of the natural-hazard damage FEMA expects in Lincoln comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1986. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lincoln?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lincoln to be higher than in 43% of U.S. communities, mostly from inland flooding.

Inland flooding80%Earthquakes14%Everything else6%

By hazard

What Lincoln faces

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

Inland flooding

80% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once a year in the area

Earthquakes

14% of expected damage

Well above average · higher than 78% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic 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 Lincoln flood?

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

5paid claims since 1986

$66Kpaid to owners

1homes flooded more than once

19862026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Placer County.

Disasters that hit Lincoln

4 federal disasters brought FEMA money here

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

Brought FEMA money into LincolnDeclared for Placer County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

$59K to the City of Lincoln for repairs

2021

Wildfires

62 households applied for aid

2017

Severe Winter Storms, Flooding, and Mudslides

$42K to the City of Lincoln for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

$98K to the City of Lincoln for repairs

Placer County has had 24 natural disasters declared since 1953, most often fires and floods.

Around Lincoln

Lincoln and the towns around it

Very lowLowModerateHighVery high

Sheridanmostly inland floodingHigh

Lincolnmostly inland floodingModerate

Rocklinmostly inland floodingLow

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. Lincoln covers 11 census tracts, combined by population.

Money that reached townFlood claims are matched to Lincoln’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lincoln. 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 Lincoln total about $12.6M 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.