Natural hazards · Spring Valley Lake

Spring Valley Lake, CA natural hazards

Most of the natural-hazard damage FEMA expects in Spring Valley Lake 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 Spring Valley Lake?

Very high

vs. U.S. communities

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

Inland flooding82%Earthquakes16%Everything else1%

By hazard

What Spring Valley Lake faces

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

Inland flooding

82% of expected damage

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

Recorded about 13 times a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 87% 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 Spring Valley Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Spring Valley 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: San Bernardino County.

Disasters that hit Spring Valley Lake

Federal disasters declared here

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

Brought FEMA money into Spring Valley LakeDeclared for San Bernardino County only

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

Around Spring Valley Lake

Spring Valley Lake and the towns around it

Very lowLowModerateHighVery high

Spring Valley Lakemostly inland floodingVery high

Apple Valleymostly inland floodingVery high

Victorvillemostly inland floodingHigh

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 Lake covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Spring Valley Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Spring Valley Lake. 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 Lake total about $10.2M 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.