Natural hazards · Shaver Lake

Shaver Lake, CA natural hazards

Most of the natural-hazard damage FEMA expects in Shaver Lake comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Shaver Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shaver Lake to be higher than in 74% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding50%Wildfire38%Earthquakes10%Everything else2%

By hazard

What Shaver Lake faces

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

Inland flooding

50% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 4 times a year in the area

Wildfire

38% of expected damage

Well above average · higher than 98% of U.S. places

Earthquakes

10% of expected damage

Well above average · higher than 79% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtTsunamis

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 Shaver Lake flood?

FEMA's records show no paid flood insurance claims in Shaver Lake.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Shaver Lake 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 Shaver Lake

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Shaver Lake itself: aid to households, or repair grants to Shaver Lake.

Brought FEMA money into Shaver LakeDeclared for Fresno County only

2020

Wildfires

130 households applied for aid $214K aid approved

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. Shaver Lake 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 Shaver Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Shaver Lake. 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.