Natural hazards · Lodi

Lodi, CA natural hazards

Most of the natural-hazard damage FEMA expects in Lodi comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lodi?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lodi to be higher than in 77% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding55%Earthquakes42%Everything else3%

By hazard

What Lodi faces

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

Inland flooding

55% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once a year in the area

Earthquakes

42% of expected damage

Well above average · higher than 87% 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 Lodi flood?

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

5paid claims since 1978

$14Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lodi 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 Lodi

2 federal disasters brought FEMA money here

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

Brought FEMA money into LodiDeclared for San Joaquin County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

217 households applied for aid $389K aid approved $718K to the City of Lodi for repairs

2017

Severe Winter Storms, Flooding, and Mudslides

$177K to the City of Lodi for repairs

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. Lodi covers 15 census tracts, combined by population.

Money that reached townFlood claims are matched to Lodi’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lodi. 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 Lodi total about $32.1M 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.