Natural hazards · Rancho Calaveras

Rancho Calaveras, CA natural hazards

Most of the natural-hazard damage FEMA expects in Rancho Calaveras comes from wildfires, 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 Rancho Calaveras?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rancho Calaveras to be higher than in 89% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire47%Inland flooding23%Drought21%Heat waves6%Everything else3%

By hazard

What Rancho Calaveras faces

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

Wildfire

47% of expected damage

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

Inland flooding

23% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Drought

21% of expected damage

Recorded about 75 times a year in the area

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 windLightningAvalanchesVolcanic 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 Rancho Calaveras flood?

FEMA's records show no paid flood insurance claims in Rancho Calaveras.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Rancho Calaveras 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.

Disasters that hit Rancho Calaveras

Federal disasters declared here

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

Brought FEMA money into Rancho CalaverasDeclared for Calaveras County only

Calaveras County has had 19 natural disasters declared since 1953, most often severe storms and fires.

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. Rancho Calaveras is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Rancho Calaveras’s own flood-insurance community; household aid to the registrant’s city; repair grants to Rancho Calaveras. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.