Natural hazards · Muscoy

Muscoy, CA natural hazards

Most of the natural-hazard damage FEMA expects in Muscoy comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1995. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Muscoy?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Muscoy to be higher than in 96% of U.S. communities, mostly from earthquakes.

Earthquakes83%Inland flooding14%Everything else3%

By hazard

What Muscoy faces

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

Earthquakes

83% of expected damage

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

Inland flooding

14% of expected damage

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

Recorded about 13 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamisVolcanic 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 Muscoy flood?

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

1paid claims since 1995

$4Kpaid to owners

0homes flooded more than once

19952026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Muscoy 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 Bernardino County.

Disasters that hit Muscoy

2 federal disasters brought FEMA money here

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

Brought FEMA money into MuscoyDeclared for San Bernardino County only

2023

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

1 household applied for aid

2003

Wildfires, Flooding, Mudflow and Debris Flow Directly Related T

2 households applied for aid

San Bernardino County has had 56 natural disasters declared since 1953, most often fires and floods.

Around Muscoy

Muscoy and the towns around it

Very lowLowModerateHighVery high

San Bernardinomostly earthquakesVery high

Muscoymostly 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. Muscoy covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Muscoy’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Muscoy. 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 Muscoy total about $13.9M 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.