Natural hazards · Oxnard

Oxnard, CA natural hazards

Most of the natural-hazard damage FEMA expects in Oxnard comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 47 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Oxnard?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oxnard to be higher than in 90% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes64%Inland flooding35%Everything else1%

By hazard

What Oxnard faces

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

Earthquakes

64% of expected damage

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

Inland flooding

35% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailHeat wavesWildfireLandslidesStrong windLightningDroughtTsunamis

Not a risk here

HurricanesIce stormsWinter weatherCold wavesAvalanchesVolcanic 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 Oxnard flood?

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

47paid claims since 1978

$263Kpaid to owners

7homes flooded more than once

19782026

Biggest named events

Pineapple Express - Southern: 4 claims, $37K
California Atmospheric River: 1 claim, $10K
December California Flooding: 1 claim, $8K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Oxnard is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Ventura County.

Disasters that hit Oxnard

7 federal disasters brought FEMA money here

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

Brought FEMA money into OxnardDeclared for Ventura County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

147 households applied for aid $98K aid approved $203K to the City of Oxnard for repairs

2018

Wildfires

8 households applied for aid

2017

Wildfires, Flooding, Mudflows, and Debris Flows

20 households applied for aid $30K to the City of Oxnard for repairs

2007

Wildfires, Flooding, Mud Flows, and Debris Flows

1 household applied for aid

2005

Severe Storms, Flooding, Landslides, and Mud and Debris Flows

$146K to the City of Oxnard for repairs

2004

Severe Storms, Flooding, Debris Flows, and Mudslides

44 households applied for aid $8K aid approved $1.1M to the City of Oxnard for repairs

2003

Wildfires, Flooding, Mudflow and Debris Flow Directly Related T

7 households applied for aid $54 aid approved $8K to the City of Oxnard for repairs

Ventura County has had 44 natural disasters declared since 1953, most often fires and floods.

Around Oxnard

Oxnard and the towns around it

Very lowLowModerateHighVery high

El Riomostly earthquakesVery high

San Buenaventura (Ventura)mostly earthquakesVery high

Port Huenememostly earthquakesVery high

Oxnardmostly earthquakesVery high

Channel Islands Beachmostly 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. Oxnard covers 39 census tracts, combined by population.

Money that reached townFlood claims are matched to Oxnard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oxnard. 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 Oxnard total about $107M 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.