Natural hazards · Phoenix Lake

Phoenix Lake, CA natural hazards

Most of the natural-hazard damage FEMA expects in Phoenix Lake comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Phoenix Lake?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Phoenix Lake to be higher than in 93% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding48%Wildfire43%Heat waves6%Everything else3%

By hazard

What Phoenix Lake 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

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

Recorded about once a year in the area

Wildfire

43% of expected damage

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

Heat waves

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 7 times a year in the area

Lower here

TornadoesHailWinter weatherEarthquakesLandslidesStrong windLightningDroughtAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesTsunamis

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 Phoenix Lake flood?

FEMA's records show no paid flood insurance claims in Phoenix Lake.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Phoenix Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Tuolumne County.

Disasters that hit Phoenix Lake

Federal disasters declared here

None of the disasters declared for Tuolumne County shows FEMA aid or repair money reaching Phoenix Lake itself in FEMA’s records.

Brought FEMA money into Phoenix LakeDeclared for Tuolumne County only

Tuolumne County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Phoenix Lake

Phoenix Lake and the towns around it

Very lowLowModerateHighVery high

Phoenix Lakemostly inland floodingVery high

Mono Vistamostly inland floodingVery high

East Sonoramostly wildfiresHigh

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. Phoenix Lake covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Phoenix Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Phoenix Lake. 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 Phoenix Lake total about $6.6M 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.