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Natural hazards · Stirling

Stirling, CA natural hazards

Most of the natural-hazard damage FEMA expects in Stirling comes from wildfires, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Stirling?

92
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stirling to be higher than in 92% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire64%Inland flooding24%Earthquakes9%Everything else3%
By hazard

What Stirling faces

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

Wildfire

64% of expected damage
Well above average · among the top 1% of U.S. places

Inland flooding

24% of expected damage
Above average · higher than 62% of U.S. places
Recorded about once a year in the area

Earthquakes

9% of expected damage
Well above average · higher than 82% 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 Stirling flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Stirling isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Butte County.
Disasters that hit Stirling

3 federal disasters brought FEMA money here

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

Brought FEMA money into StirlingDeclared for Butte County only
2023

Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

8 households applied for aid $8K aid approved
2020

Wildfires

2 households applied for aid
2018

Wildfires

70 households applied for aid $4K aid approved
Butte County has had 33 natural disasters declared since 1953, most often fires 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. Stirling 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 Stirling’s own flood-insurance community; household aid to the registrant’s city; repair grants to Stirling. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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