Natural hazards · Rancho Cordova

Rancho Cordova, CA natural hazards

Most of the natural-hazard damage FEMA expects in Rancho Cordova comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1982. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rancho Cordova?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rancho Cordova to be higher than in 32% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding70%Earthquakes23%Everything else8%

By hazard

What Rancho Cordova faces

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

Inland flooding

70% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

23% of expected damage

Well above average · higher than 80% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis

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 Cordova flood?

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

5paid claims since 1982

$12Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

Pineapple Express - Southern: 1 claim, $556

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sacramento County.

Disasters that hit Rancho Cordova

2 federal disasters brought FEMA money here

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

Brought FEMA money into Rancho CordovaDeclared for Sacramento County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

78 households applied for aid $78K aid approved $483K to the City of Rancho Cordova for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

1 household applied for aid

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

Around Rancho Cordova

Rancho Cordova and the towns around it

Very lowLowModerateHighVery high

Gold Rivermostly inland floodingModerate

Rancho Cordovamostly inland floodingLow

Carmichaelmostly inland floodingLow

Mathermostly inland floodingLow

Fair Oaksmostly inland floodingLow

La Rivieramostly inland floodingVery low

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 Cordova covers 17 census tracts, combined by population.

Money that reached townFlood claims are matched to Rancho Cordova’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Rancho Cordova. 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 Rancho Cordova total about $13.5M 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.