Natural hazards · Lompico

Lompico, CA natural hazards

Most of the natural-hazard damage FEMA expects in Lompico comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 17 claims here since 1980. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lompico?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lompico to be higher than in 100% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding61%Earthquakes32%Wildfire6%Everything else2%

By hazard

What Lompico faces

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

Inland flooding

61% of expected damage

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

Recorded about 2 times a year in the area

Earthquakes

32% of expected damage

Well above average · higher than 98% of U.S. places

Wildfire

6% of expected damage

Well above average · higher than 98% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamisVolcanic activity

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 Lompico flood?

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

17paid claims since 1980

$300Kpaid to owners

0homes flooded more than once

19802026

Biggest named events

California Atmospheric River: 4 claims, $187K
Pineapple Express - Southern: 2 claims, $18K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Santa Cruz County.

Disasters that hit Lompico

1 federal disaster brought FEMA money here

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

Brought FEMA money into LompicoDeclared for Santa Cruz County only

2020

Wildfires

2 households applied for aid

Santa Cruz County has had 29 natural disasters declared since 1953, most often floods and severe storms.

Around Lompico

Lompico and the towns around it

Very lowLowModerateHighVery high

Lompicomostly inland floodingVery high

Zayantemostly inland floodingVery high

Ben Lomondmostly inland floodingVery 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. Lompico covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lompico’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lompico. 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 Lompico total about $8.9M 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.