Natural hazards · Mount Hermon

Mount Hermon, CA natural hazards

Most of the natural-hazard damage FEMA expects in Mount Hermon comes from inland flooding, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mount Hermon?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Hermon to be higher than in 98% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding65%Earthquakes32%Everything else3%

By hazard

What Mount Hermon faces

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

Inland flooding

65% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

32% of expected damage

Well above average · higher than 94% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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 Mount Hermon flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Mount Hermon 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 Cruz County.

Disasters that hit Mount Hermon

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Mount Hermon itself: aid to households, or repair grants to Mount Hermon.

Brought FEMA money into Mount HermonDeclared for Santa Cruz County only

2023

Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

1 household applied for aid

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

2 households applied for aid

2020

Wildfires

10 households applied for aid

Santa Cruz County has had 29 natural disasters declared since 1953, most often floods and severe storms.

Around Mount Hermon

Mount Hermon and the towns around it

Very lowLowModerateHighVery high

Zayantemostly inland floodingVery high

Mount Hermonmostly inland floodingVery high

Feltonmostly inland floodingVery 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. Mount Hermon 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 Mount Hermon’s own flood-insurance community; household aid to the registrant’s city; repair grants to Mount Hermon. 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.