Natural hazards · Moraga

Moraga, CA natural hazards

Most of the natural-hazard damage FEMA expects in Moraga comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 1982. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Moraga?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moraga to be higher than in 86% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes69%Inland flooding24%Everything else7%

By hazard

What Moraga faces

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

Earthquakes

69% of expected damage

Well above average · higher than 96% of U.S. places

Inland flooding

24% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamis

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 Moraga flood?

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

2paid claims since 1982

$11Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Contra Costa County.

What’s been done with FEMA grants

1buildings floodproofed

Disasters that hit Moraga

3 federal disasters brought FEMA money here

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

Brought FEMA money into MoragaDeclared for Contra Costa County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

72 households applied for aid $248K aid approved $660K to the Town of Moraga for repairs

2017

Severe Winter Storms, Flooding, and Mudslides

$43K to the Town of Moraga for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

$988K to the Town of Moraga for repairs

Contra Costa County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Moraga

Moraga and the towns around it

Very lowLowModerateHighVery high

Lafayettemostly inland floodingVery high

Orindamostly earthquakesVery high

Moragamostly 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. Moraga covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Moraga’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Moraga. 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 Moraga total about $9.2M 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.