Natural hazards · San Ramon

San Ramon, CA natural hazards

Most of the natural-hazard damage FEMA expects in San Ramon comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 15 claims here since 2002. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is San Ramon?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in San Ramon to be higher than in 93% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding49%Earthquakes48%Everything else3%

By hazard

What San Ramon faces

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

Inland flooding

49% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once a year in the area

Earthquakes

48% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamis

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 San Ramon flood?

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

15paid claims since 2002

$676Kpaid to owners

1homes flooded more than once

20022026

Biggest named events

California Atmospheric River: 7 claims, $494K

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

🏷️ 20% off flood insurance. San Ramon is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Contra Costa County.

Disasters that hit San Ramon

3 federal disasters brought FEMA money here

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

Brought FEMA money into San RamonDeclared for Contra Costa County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

100 households applied for aid $235K aid approved $1.3M to the City of San Ramon for repairs

2017

Severe Winter Storms, Flooding, and Mudslides

$390K to the City of San Ramon for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

2 households applied for aid

Contra Costa County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around San Ramon

San Ramon and the towns around it

Very lowLowModerateHighVery high

Dublinmostly inland floodingVery high

San Ramonmostly inland floodingVery high

Norris Canyonmostly inland floodingVery high

Danvillemostly 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. San Ramon covers 14 census tracts, combined by population.

Money that reached townFlood claims are matched to San Ramon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of San Ramon. 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 San Ramon total about $80.0M 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.