Natural hazards · Sacramento

Sacramento, KY natural hazards

Most of the natural-hazard damage FEMA expects in Sacramento comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Sacramento?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sacramento to be higher than in 75% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding33%Earthquakes28%Strong wind9%Tornadoes7%Ice storms6%Drought6%Everything else11%

By hazard

What Sacramento faces

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

Inland flooding

33% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

28% of expected damage

Well above average · higher than 85% of U.S. places

Strong wind

9% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 15 years in the area

Ice storms

6% of expected damage

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

Recorded about once a year in the area

Drought

6% of expected damage

Recorded about 5 times a year in the area

Lower here

HurricanesHailWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Sacramento flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McLean County.

Disasters that hit Sacramento

4 federal disasters brought FEMA money here

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

Brought FEMA money into SacramentoDeclared for McLean County only

2025

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

3 households applied for aid $14K aid approved

2024

Severe Storms, Straight-Line Winds, Tornadoes, Landslides, and Mudslides

5 households applied for aid $1K aid approved

2011

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $3K aid approved

2003

Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes

4 households applied for aid $29K aid approved

McLean County has had 20 natural disasters declared since 1953, most often severe storms and winter 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. Sacramento 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 Sacramento’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Sacramento. 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.