Natural hazards · Temecula

Temecula, CA natural hazards

Most of the natural-hazard damage FEMA expects in Temecula comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 1993. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Temecula?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Temecula to be higher than in 90% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding57%Earthquakes26%Wildfire16%Everything else2%

By hazard

What Temecula faces

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

Inland flooding

57% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 7 times a year in the area

Earthquakes

26% of expected damage

Well above average · higher than 89% of U.S. places

Wildfire

16% of expected damage

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

Lower here

HurricanesTornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsCold wavesAvalanchesTsunamisVolcanic 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 Temecula flood?

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

4paid claims since 1993

$30Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Pineapple Express - Southern: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Riverside County.

Disasters that hit Temecula

6 federal disasters brought FEMA money here

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

Brought FEMA money into TemeculaDeclared for Riverside County only

2019

Severe Winter Storms, Flooding, Landslides, and Mudslides

$96K to the City of Temecula for repairs

2017

Severe Winter Storms, Flooding, and Mudslides

$32K to the City of Temecula for repairs

2010

Severe Winter Storms, Flooding, and Debris and Mud Flows

$166K to the City of Temecula for repairs

2007

Wildfires, Flooding, Mud Flows, and Debris Flows

31 households applied for aid $869 aid approved $38K to the City of Temecula for repairs

2004

Severe Storms, Flooding, Debris Flows, and Mudslides

26 households applied for aid $41K aid approved $647K to the City of Temecula for repairs

2003

Wildfires, Flooding, Mudflow and Debris Flow Directly Related T

58 households applied for aid $193K aid approved

Riverside County has had 61 natural disasters declared since 1953, most often fires and floods.

Around Temecula

Temecula and the towns around it

Very lowLowModerateHighVery high

Temeculamostly inland floodingVery high

Murrietamostly inland floodingVery high

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. Temecula covers 19 census tracts, combined by population.

Money that reached townFlood claims are matched to Temecula’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Temecula. 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 Temecula total about $75.0M 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.