Natural hazards · Templeton

Templeton, CA natural hazards

Most of the natural-hazard damage FEMA expects in Templeton comes from inland flooding, 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 Templeton?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Templeton to be higher than in 81% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding56%Earthquakes32%Drought7%Everything else5%

By hazard

What Templeton faces

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

Inland flooding

56% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 2 years in the area

Earthquakes

32% of expected damage

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

Drought

7% of expected damage

Recorded about 75 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesIce 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 Templeton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: San Luis Obispo County.

Disasters that hit Templeton

3 federal disasters brought FEMA money here

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

Brought FEMA money into TempletonDeclared for San Luis Obispo County only

2023

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

32 households applied for aid $77K aid approved

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

92 households applied for aid $642K aid approved

2003

Earthquake

597 households applied for aid $1.4M aid approved

San Luis Obispo County has had 24 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. Templeton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Templeton’s own flood-insurance community; household aid to the registrant’s city; repair grants to Templeton. 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 Templeton total about $3.6M 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.