Natural hazards · McSwain

McSwain, CA natural hazards

Most of the natural-hazard damage FEMA expects in McSwain 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 McSwain?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McSwain to be higher than in 60% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding44%Earthquakes33%Drought16%Heat waves6%Everything else2%

By hazard

What McSwain 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

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

33% of expected damage

Well above average · higher than 86% of U.S. places

Drought

16% of expected damage

Recorded about 68 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 10 times a year in the area

Lower here

TornadoesHailWinter weatherWildfireLandslidesStrong 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 McSwain flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Merced County.

Disasters that hit McSwain

Federal disasters declared here

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

Brought FEMA money into McSwainDeclared for Merced County only

Merced County has had 16 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. McSwain 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 McSwain’s own flood-insurance community; household aid to the registrant’s city; repair grants to McSwain. 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.