Natural hazards · Stockton

Stockton, CA natural hazards

Most of the natural-hazard damage FEMA expects in Stockton comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 28 claims here since 1983. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stockton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stockton to be higher than in 54% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes68%Inland flooding27%Everything else6%

By hazard

What Stockton faces

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

Earthquakes

68% of expected damage

Well above average · higher than 88% of U.S. places

Inland flooding

27% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis

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 Stockton flood?

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

28paid claims since 1983

$467Kpaid to owners

0homes flooded more than once

19832026

Biggest named events

California Atmospheric River: 7 claims, $147K
Pineapple Express - Southern: 2 claims, $2K

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Stockton is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: San Joaquin County.

What’s been done with FEMA grants

2homes raised above flood level

Disasters that hit Stockton

3 federal disasters brought FEMA money here

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

Brought FEMA money into StocktonDeclared for San Joaquin County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

1,300 households applied for aid $1.6M aid approved $2.7M to the City of Stockton for repairs

2006

Severe Storms, Flooding, Landslides, and Mudslides

$8K to the City of Stockton for repairs

2004

Flooding As a Result of a Levee Break

$23K to the City of Stockton for repairs

San Joaquin County has had 23 natural disasters declared since 1953, most often floods and severe storms.

Around Stockton

Stockton and the towns around it

Very lowLowModerateHighVery high

Moradamostly inland floodingHigh

French Campmostly earthquakesHigh

Kennedymostly earthquakesHigh

Stocktonmostly earthquakesModerate

Augustmostly earthquakesModerate

Garden Acresmostly earthquakesLow

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. Stockton covers 69 census tracts, combined by population.

Money that reached townFlood claims are matched to Stockton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Stockton. 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 Stockton total about $104M 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.