Natural hazards · Spring Valley

Spring Valley, CA natural hazards

Most of the natural-hazard damage FEMA expects in Spring Valley comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 26 claims here since 1979.

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

Expected damage

How exposed is Spring Valley?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Valley to be higher than in 57% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding67%Earthquakes19%Wildfire9%Heat waves6%

By hazard

What Spring Valley faces

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

Inland flooding

67% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 8 times a year in the area

Earthquakes

19% of expected damage

Well above average · higher than 81% of U.S. places

Wildfire

9% of expected damage

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

Heat waves

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 10 times a year in the area

Lower here

HurricanesTornadoesHailWinter weatherLandslidesStrong windLightning

Not a risk here

Coastal floodingIce 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 Spring Valley flood?

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

26paid claims since 1979

$489Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

San Diego Flooding: 5 claims, $294K
Pineapple Express - Southern: 2 claims, $23K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Spring Valley 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 Diego County.

Disasters that hit Spring Valley

Federal disasters declared here

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

Brought FEMA money into Spring ValleyDeclared for San Diego County only

San Diego County has had 44 natural disasters declared since 1953, most often fires and floods.

Around Spring Valley

Spring Valley and the towns around it

Very lowLowModerateHighVery high

La Presamostly inland floodingHigh

Rancho San Diegomostly inland floodingHigh

Spring Valleymostly inland floodingModerate

Casa de Oro-Mount Helixmostly inland floodingModerate

Lemon Grovemostly inland floodingModerate

La Mesamostly inland floodingModerate

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. Spring Valley covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Spring Valley’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Spring Valley. 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 Spring Valley total about $6.7M 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.