Natural hazards · Lockeford

Lockeford, CA natural hazards

Most of the natural-hazard damage FEMA expects in Lockeford comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lockeford?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lockeford to be higher than in 52% of U.S. communities, mostly from inland flooding and drought.

Inland flooding48%Drought25%Earthquakes23%Everything else5%

By hazard

What Lockeford faces

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

Inland flooding

48% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Drought

25% of expected damage

Recorded about 57 times a year in the area

Earthquakes

23% of expected damage

Well above average · higher than 83% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningVolcanic 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 Lockeford flood?

FEMA's records show no paid flood insurance claims in Lockeford.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lockeford 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 Lockeford

1 federal disaster brought FEMA money here

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

Brought FEMA money into LockefordDeclared for San Joaquin County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

18 households applied for aid $40K aid approved

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

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. Lockeford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lockeford’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lockeford. 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 Lockeford total about $1.3M 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.