Natural hazards · Loyola

Loyola, CA natural hazards

Most of the natural-hazard damage FEMA expects in Loyola comes from earthquakes, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Loyola?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loyola to be higher than in 85% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes64%Inland flooding35%

By hazard

What Loyola faces

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

Earthquakes

64% of expected damage

Well above average · higher than 95% of U.S. places

Inland flooding

35% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesIce stormsWinter weatherCold 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 Loyola flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Loyola 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 Clara County.

Disasters that hit Loyola

Federal disasters declared here

None of the disasters declared for Santa Clara County shows FEMA aid or repair money reaching Loyola itself in FEMA’s records.

Brought FEMA money into LoyolaDeclared for Santa Clara County only

Santa Clara County has had 22 natural disasters declared since 1953, most often floods and fires.

Around Loyola

Loyola and the towns around it

Very lowLowModerateHighVery high

Los Altosmostly earthquakesVery high

Loyolamostly earthquakesVery high

Los Altos Hillsmostly 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. Loyola covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Loyola’s own flood-insurance community; household aid to the registrant’s city; repair grants to Loyola. 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 Loyola total about $3.0M 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.