Natural hazards · Morada

Morada, CA natural hazards

Most of the natural-hazard damage FEMA expects in Morada comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2022.

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

Expected damage

How exposed is Morada?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morada to be higher than in 75% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding58%Earthquakes27%Drought12%Everything else3%

By hazard

What Morada faces

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

Inland flooding

58% of expected damage

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

Recorded about once a year in the area

Earthquakes

27% of expected damage

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

Drought

12% of expected damage

Recorded about 68 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningVolcanic 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 Morada flood?

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

2paid claims since 2022

$84Kpaid to owners

0homes flooded more than once

20222026

Biggest named events

California Atmospheric River: 2 claims, $84K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Morada 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 Morada

Federal disasters declared here

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

Brought FEMA money into MoradaDeclared for San Joaquin County only

San Joaquin County has had 23 natural disasters declared since 1953, most often floods and severe storms.

Around Morada

Morada and the towns around it

Very lowLowModerateHighVery high

Moradamostly inland floodingHigh

Stocktonmostly earthquakesModerate

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. Morada covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Morada’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Morada. 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 Morada total about $3.2M 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.