Natural hazards · Livermore

Livermore, CA natural hazards

Most of the natural-hazard damage FEMA expects in Livermore comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim 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 Livermore?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Livermore to be higher than in 91% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes62%Inland flooding37%Everything else2%

By hazard

What Livermore faces

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

Earthquakes

62% of expected damage

Well above average · higher than 96% of U.S. places

Inland flooding

37% of expected damage

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

Recorded about 2 times a year in the area

Lower here

TornadoesHailHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsWinter weatherCold 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 Livermore flood?

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

1paid claims since 1998

$22Kpaid to owners

0homes flooded more than once

19982026

Biggest named events

Pineapple Express - Southern: 1 claim, $22K

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Livermore is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Alameda County.

Disasters that hit Livermore

3 federal disasters brought FEMA money here

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

Brought FEMA money into LivermoreDeclared for Alameda County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

62 households applied for aid $109K aid approved $615K to the City of Livermore for repairs

2017

Severe Winter Storms, Flooding, and Mudslides

$4.4M to the City of Livermore for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

$4K to the City of Livermore for repairs

Alameda County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Livermore

Livermore and the towns around it

Very lowLowModerateHighVery high

Pleasantonmostly earthquakesVery high

Livermoremostly 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. Livermore covers 15 census tracts, combined by population.

Money that reached townFlood claims are matched to Livermore’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Livermore. 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 Livermore total about $73.3M 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.