Natural hazards · Westhaven-Moonstone

Westhaven-Moonstone, CA natural hazards

Most of the natural-hazard damage FEMA expects in Westhaven-Moonstone comes from tsunamis, 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 Westhaven-Moonstone?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westhaven-Moonstone to be higher than in 84% of U.S. communities, mostly from tsunamis and earthquakes.

Tsunamis53%Earthquakes25%Inland flooding16%Everything else6%

By hazard

What Westhaven-Moonstone faces

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

Tsunamis

53% of expected damage

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

Earthquakes

25% of expected damage

Well above average · higher than 93% of U.S. places

Inland flooding

16% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtAvalanches

Not a risk here

HurricanesIce stormsCold wavesVolcanic 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 Westhaven-Moonstone flood?

FEMA's records show no paid flood insurance claims in Westhaven-Moonstone.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Humboldt County.

Disasters that hit Westhaven-Moonstone

Federal disasters declared here

None of the disasters declared for Humboldt County shows FEMA aid or repair money reaching Westhaven-Moonstone itself in FEMA’s records.

Brought FEMA money into Westhaven-MoonstoneDeclared for Humboldt County only

Humboldt County has had 23 natural disasters declared since 1953, most often floods and severe storms.

Around Westhaven-Moonstone

Westhaven-Moonstone and the towns around it

Very lowLowModerateHighVery high

McKinleyvillemostly earthquakesVery high

Westhaven-Moonstonemostly tsunamisVery 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. Westhaven-Moonstone 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 Westhaven-Moonstone’s own flood-insurance community; household aid to the registrant’s city; repair grants to Westhaven-Moonstone. 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.