Natural hazards · Lockwood

Lockwood, CA natural hazards

Most of the natural-hazard damage FEMA expects in Lockwood comes from avalanches, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lockwood?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lockwood to be higher than in 96% of U.S. communities, mostly from avalanches and drought.

Avalanches36%Drought26%Wildfire26%Inland flooding10%Everything else2%

By hazard

What Lockwood faces

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

Avalanches

36% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 15 years in the area

Drought

26% of expected damage

Recorded about 57 times a year in the area

Wildfire

26% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

10% of expected damage

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

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesTsunamis

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 Lockwood flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Amador County.

Disasters that hit Lockwood

2 federal disasters brought FEMA money here

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

Brought FEMA money into LockwoodDeclared for Amador County only

2023

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

2 households applied for aid

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

4 households applied for aid $15K aid approved

Amador County has had 18 natural disasters declared since 1953, most often severe storms and floods.

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. Lockwood is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Lockwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lockwood. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.