Natural hazards · Madera Ranchos

Madera Ranchos, CA natural hazards

Most of the natural-hazard damage FEMA expects in Madera Ranchos comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Madera Ranchos?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madera Ranchos to be higher than in 79% of U.S. communities, mostly from inland flooding and drought.

Inland flooding44%Drought22%Wildfire14%Earthquakes10%Heat waves8%Everything else1%

By hazard

What Madera Ranchos faces

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

Inland flooding

44% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once a year in the area

Drought

22% of expected damage

Recorded about 68 times a year in the area

Wildfire

14% of expected damage

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

Earthquakes

10% of expected damage

Well above average · higher than 82% of U.S. places

Heat waves

8% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 10 times a year in the area

Lower here

TornadoesHailWinter weatherLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamisVolcanic 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 Madera Ranchos flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Madera County.

Disasters that hit Madera Ranchos

Federal disasters declared here

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

Brought FEMA money into Madera RanchosDeclared for Madera County only

Madera County has had 23 natural disasters declared since 1953, most often fires 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. Madera Ranchos 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 Madera Ranchos’s own flood-insurance community; household aid to the registrant’s city; repair grants to Madera Ranchos. 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.