Natural hazards · Stinson Beach

Stinson Beach, CA natural hazards

Most of the natural-hazard damage FEMA expects in Stinson Beach comes from earthquakes, and overall the risk is very 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 Stinson Beach?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stinson Beach to be higher than in 96% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes57%Inland flooding21%Tsunamis17%Everything else5%

By hazard

What Stinson Beach faces

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

Earthquakes

57% of expected damage

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

Inland flooding

21% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 2 times a year in the area

Tsunamis

17% of expected damage

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

Lower here

Coastal floodingTornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

HurricanesIce stormsCold wavesAvalanchesVolcanic 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 Stinson Beach flood?

FEMA's records show no paid flood insurance claims in Stinson Beach.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marin County.

Disasters that hit Stinson Beach

1 federal disaster brought FEMA money here

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

Brought FEMA money into Stinson BeachDeclared for Marin County only

2005

Severe Storms, Flooding, Mudslides, and Landslides

3 households applied for aid $5K aid approved

Marin County has had 22 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. Stinson Beach 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 Stinson Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to Stinson Beach. 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.