Natural hazards · Talmage

Talmage, CA natural hazards

Most of the natural-hazard damage FEMA expects in Talmage comes from inland flooding, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Talmage?

Very high

vs. U.S. communities

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

Inland flooding47%Earthquakes30%Drought12%Wildfire11%

By hazard

What Talmage faces

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

Inland flooding

47% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Earthquakes

30% of expected damage

Well above average · higher than 94% of U.S. places

Drought

12% of expected damage

Recorded about 37 times a year in the area

Wildfire

11% of expected damage

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

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesTsunamis

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 Talmage flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mendocino County.

Disasters that hit Talmage

2 federal disasters brought FEMA money here

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

Brought FEMA money into TalmageDeclared for Mendocino County only

2023

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

1 household applied for aid $4K aid approved

2017

Wildfires

1 household applied for aid

Mendocino County has had 26 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. Talmage 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 Talmage’s own flood-insurance community; household aid to the registrant’s city; repair grants to Talmage. 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.