Natural hazards · Rancho Mirage

Rancho Mirage, CA natural hazards

Most of the natural-hazard damage FEMA expects in Rancho Mirage comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 69 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rancho Mirage?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rancho Mirage to be higher than in 98% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding75%Earthquakes25%

By hazard

What Rancho Mirage faces

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

Inland flooding

75% of expected damage

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

Recorded about 7 times a year in the area

Earthquakes

25% of expected damage

Well above average · higher than 93% of U.S. places

Lower here

HurricanesTornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtAvalanchesVolcanic activity

Not a risk here

Coastal floodingIce 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 Mirage flood?

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

69paid claims since 1979

$744Kpaid to owners

7homes flooded more than once

19792026

Biggest named events

Tropical Storm Hilary: 1 claim, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Riverside County.

Disasters that hit Rancho Mirage

4 federal disasters brought FEMA money here

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

Brought FEMA money into Rancho MirageDeclared for Riverside County only

2023

Tropical Storm Hilary

$310K to the City of Rancho Mirage for repairs

2019

Severe Winter Storms, Flooding, Landslides, and Mudslides

$56K to the City of Rancho Mirage for repairs

2010

Severe Winter Storms, Flooding, and Debris and Mud Flows

$30K to the City of Rancho Mirage for repairs

2004

Severe Storms, Flooding, Debris Flows, and Mudslides

3 households applied for aid $22K to the City of Rancho Mirage for repairs

Riverside County has had 61 natural disasters declared since 1953, most often fires and floods.

Around Rancho Mirage

Rancho Mirage and the towns around it

Very lowLowModerateHighVery high

Palm Desertmostly inland floodingVery high

Rancho Miragemostly inland floodingVery high

Cathedral Citymostly inland floodingVery high

Palm Springsmostly inland floodingVery high

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 Mirage covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Rancho Mirage’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Rancho Mirage. 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 Mirage total about $42.7M 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.