Natural hazards · Twain Harte

Twain Harte, CA natural hazards

Most of the natural-hazard damage FEMA expects in Twain Harte comes from wildfires, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Twain Harte?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Twain Harte to be higher than in 85% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire57%Inland flooding37%Everything else6%

By hazard

What Twain Harte faces

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

Wildfire

57% of expected damage

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

Inland flooding

37% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamis

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 Twain Harte flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tuolumne County.

Disasters that hit Twain Harte

2 federal disasters brought FEMA money here

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

Brought FEMA money into Twain HarteDeclared for Tuolumne County only

2023

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

163 households applied for aid $669K aid approved

2020

Wildfires

1 household applied for aid

Tuolumne County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Twain Harte

Twain Harte and the towns around it

Very lowLowModerateHighVery high

Mono Vistamostly inland floodingVery high

Soulsbyvillemostly wildfiresVery high

Twain Hartemostly wildfiresVery 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. Twain Harte covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Twain Harte’s own flood-insurance community; household aid to the registrant’s city; repair grants to Twain Harte. 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 Twain Harte total about $2.0M 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.