Natural hazards · Ramona

Ramona, CA natural hazards

Most of the natural-hazard damage FEMA expects in Ramona comes from wildfires, and overall the risk is very high for a U.S. community. Flood insurance has paid 23 claims here since 1980. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ramona?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ramona to be higher than in 100% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire71%Inland flooding22%Earthquakes6%Everything else1%

By hazard

What Ramona faces

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

Wildfire

71% of expected damage

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

Inland flooding

22% of expected damage

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

Recorded about 8 times a year in the area

Earthquakes

6% of expected damage

Well above average · higher than 84% of U.S. places

Lower here

HurricanesTornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsCold wavesAvalanchesTsunamisVolcanic 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 Ramona flood?

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

23paid claims since 1980

$346Kpaid to owners

0homes flooded more than once

19802026

Biggest named events

California Atmospheric River: 2 claims, $81K
Winter storm: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Ramona 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 Diego County.

Disasters that hit Ramona

6 federal disasters brought FEMA money here

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

Brought FEMA money into RamonaDeclared for San Diego County only

2024

Severe Storm and Flooding

20 households applied for aid $54K aid approved

2020

Wildfires

8 households applied for aid

2017

Wildfires, Flooding, Mudflows, and Debris Flows

1 household applied for aid

2007

Wildfires, Flooding, Mud Flows, and Debris Flows

2,459 households applied for aid $3.3M aid approved

2004

Severe Storms, Flooding, Debris Flows, and Mudslides

19 households applied for aid $17K aid approved

2003

Wildfires, Flooding, Mudflow and Debris Flow Directly Related T

504 households applied for aid $2.2M aid approved

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

Around Ramona

Ramona and the towns around it

Very lowLowModerateHighVery high

Ramonamostly wildfiresVery high

San Diego Country Estatesmostly wildfiresVery high

San Diegomostly earthquakesHigh

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. Ramona covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Ramona’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Ramona. 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 Ramona total about $28.5M 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.