Natural hazards · Tracy

Tracy, CA natural hazards

Most of the natural-hazard damage FEMA expects in Tracy comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1983. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Tracy?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tracy to be higher than in 76% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes58%Inland flooding38%Everything else4%

By hazard

What Tracy faces

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

Earthquakes

58% of expected damage

Well above average · higher than 91% of U.S. places

Inland flooding

38% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis

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 Tracy flood?

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

7paid claims since 1983

$19Kpaid to owners

0homes flooded more than once

19832026

Biggest named events

Pineapple Express - Southern: 3 claims, $7K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Tracy 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 Joaquin County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

1homes raised above flood level

Disasters that hit Tracy

2 federal disasters brought FEMA money here

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

Brought FEMA money into TracyDeclared for San Joaquin County only

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

162 households applied for aid $198K aid approved $331K to the City of Tracy for repairs

2017

Severe Winter Storms, Flooding, and Mudslides

$75K to the City of Tracy for repairs

San Joaquin County has had 23 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. Tracy covers 17 census tracts, combined by population.

Money that reached townFlood claims are matched to Tracy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Tracy. 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 Tracy total about $32.7M 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.