Natural hazards · Silver Lakes

Silver Lakes, CA natural hazards

Most of the natural-hazard damage FEMA expects in Silver Lakes comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Silver Lakes?

Very high

vs. U.S. communities

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

Inland flooding87%Earthquakes12%Everything else1%

By hazard

What Silver Lakes faces

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

Inland flooding

87% of expected damage

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

Recorded about 13 times a year in the area

Earthquakes

12% of expected damage

Well above average · higher than 86% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamisVolcanic activity

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 Silver Lakes flood?

FEMA's records show no paid flood insurance claims in Silver Lakes.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: San Bernardino County.

Disasters that hit Silver Lakes

Federal disasters declared here

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

Brought FEMA money into Silver LakesDeclared for San Bernardino County only

San Bernardino County has had 56 natural disasters declared since 1953, most often fires and floods.

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. Silver Lakes covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Silver Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to Silver Lakes. 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 Silver Lakes total about $5.9M 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.