Natural hazards · San Joaquin

San Joaquin, CA natural hazards

Most of the natural-hazard damage FEMA expects in San Joaquin comes from drought, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1983.

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

Expected damage

How exposed is San Joaquin?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in San Joaquin to be higher than in 78% of U.S. communities, mostly from drought.

Drought82%Earthquakes11%Everything else7%

By hazard

What San Joaquin faces

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

Drought

82% of expected damage

Recorded about 80 times a year in the area

Earthquakes

11% of expected damage

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

Lower here

Inland floodingTornadoesHailWinter weatherHeat wavesWildfireStrong windLightning

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesLandslidesAvalanchesTsunamisVolcanic activity

Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does San Joaquin flood?

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

2paid claims since 1983

$8Kpaid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fresno County.

Disasters that hit San Joaquin

Federal disasters declared here

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

Brought FEMA money into San JoaquinDeclared for Fresno County only

Fresno County has had 18 natural disasters declared since 1953, most often floods and severe storms.

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. San Joaquin 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 San Joaquin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of San Joaquin. 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.