Natural hazards · Sutter

Sutter, CA natural hazards

Most of the natural-hazard damage FEMA expects in Sutter comes from drought, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Sutter?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sutter to be higher than in 52% of U.S. communities, mostly from drought and inland flooding.

Drought58%Inland flooding21%Earthquakes14%Everything else7%

By hazard

What Sutter faces

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

Drought

58% of expected damage

Recorded about 65 times a year in the area

Inland flooding

21% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

14% of expected damage

Well above average · higher than 84% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningVolcanic 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 Sutter flood?

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

of all homes
are insured

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

Insurance rates: Sutter County.

Disasters that hit Sutter

Federal disasters declared here

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

Brought FEMA money into SutterDeclared for Sutter County only

Sutter County has had 17 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. Sutter 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 Sutter’s own flood-insurance community; household aid to the registrant’s city; repair grants to Sutter. 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.