Paloma’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Paloma comes from inland flooding, and overall the risk is very high for a U.S. community.
What stands out about Paloma’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Paloma flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Paloma. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Paloma isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Calaveras County.How exposed is Paloma?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 87% of U.S. communities, mostly from inland flooding and wildfires.
Calmer than 913 of the 1,619 California towns we cover.
Paloma is smaller than a census tract, so it shares the figures of the tract around its center.
What Paloma faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Wildfire
Drought
Federal disasters declared here
None of the disasters declared for Calaveras County shows FEMA aid or repair money reaching Paloma itself in FEMA’s records.
Calaveras County has had 19 natural disasters declared since 1953, most often severe storms and fires.
Get ready for what Paloma actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- On a well? Know how deep it is and watch for sputtering.
- Follow the town’s watering limits.
- Fix drips: they add up.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in January–March
The month each of Calaveras County’s 19 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Paloma’s own flood-insurance community; household aid to the registrant’s city; repair grants to Paloma.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Paloma.
Your answer becomes a post in Town Square.
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. Weather alerts: National Weather Service. Preparedness tips: Ready.gov. An average of past damage, not a forecast.