Natural hazards · Temple

Temple, CA natural hazards

Most of the natural-hazard damage FEMA expects in Temple comes from earthquakes, 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 Temple?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Temple to be higher than in 96% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes52%Inland flooding47%Everything else1%

By hazard

What Temple faces

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

Earthquakes

52% of expected damage

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

Inland flooding

47% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesWildfireAvalanchesTsunamisVolcanic 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 Temple flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Los Angeles County.

Disasters that hit Temple

3 federal disasters brought FEMA money here

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

Brought FEMA money into TempleDeclared for Los Angeles County only

2025

Wildfires and Straight-Line Winds

174 households applied for aid $15K aid approved $42K to the City of Temple for repairs

2020

Wildfires

4 households applied for aid

2004

Severe Storms, Flooding, Debris Flows, and Mudslides

3 households applied for aid $2K aid approved $3K to the City of Temple for repairs

Los Angeles County has had 74 natural disasters declared since 1953, most often fires and floods.

Around Temple

Temple and the towns around it

Very lowLowModerateHighVery high

North El Montemostly inland floodingVery high

San Gabrielmostly inland floodingVery high

Temple Citymostly earthquakesVery high

East San Gabrielmostly earthquakesVery high

Arcadiamostly earthquakesVery high

El Montemostly earthquakesVery 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. Temple covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Temple’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Temple. 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 Temple total about $24.4M 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.