Natural hazards · Toro Canyon

Toro Canyon, CA natural hazards

Most of the natural-hazard damage FEMA expects in Toro Canyon comes from landslides, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Toro Canyon?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toro Canyon to be higher than in 99% of U.S. communities, mostly from landslides and earthquakes.

Landslides35%Earthquakes24%Wildfire22%Inland flooding17%Everything else2%

By hazard

What Toro Canyon faces

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

Landslides

35% of expected damage

Well above average · among the top 1% of U.S. places

Earthquakes

24% of expected damage

Well above average · higher than 95% of U.S. places

Wildfire

22% of expected damage

Well above average · among the top 1% of U.S. places

Inland flooding

17% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailWinter weatherCold wavesHeat wavesStrong windLightningDroughtAvalanchesTsunamis

Not a risk here

HurricanesIce stormsVolcanic 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 Toro Canyon flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Santa Barbara County.

Disasters that hit Toro Canyon

Federal disasters declared here

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

Brought FEMA money into Toro CanyonDeclared for Santa Barbara County only

Santa Barbara County has had 35 natural disasters declared since 1953, most often floods and fires.

Around Toro Canyon

Toro Canyon and the towns around it

Very lowLowModerateHighVery high

Toro Canyonmostly landslidesVery high

Summerlandmostly landslidesVery high

Carpinteriamostly earthquakesVery high

Montecitomostly 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. Toro Canyon 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 Toro Canyon’s own flood-insurance community; household aid to the registrant’s city; repair grants to Toro Canyon. 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.