Natural hazards · Mountain House

Mountain House, CA natural hazards

Most of the natural-hazard damage FEMA expects in Mountain House comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Mountain House?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mountain House to be higher than in 74% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding48%Earthquakes47%Everything else6%

By hazard

What Mountain House faces

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

Inland flooding

48% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once a year in the area

Earthquakes

47% of expected damage

Well above average · higher than 90% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic 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 Mountain House flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Mountain House 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 Mountain House

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Mountain House itself: aid to households, or repair grants to the City of Mountain House.

Brought FEMA money into Mountain HouseDeclared for San Joaquin County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

4 households applied for aid $365 aid approved

San Joaquin County has had 23 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. Mountain House covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Mountain House’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mountain House. 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 Mountain House total about $5.3M 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.