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Armona 14th AvePhoto: Keith Winkler · Public domain
C−Hazard risk
Natural hazards in Armona · FEMA

FEMA puts Armona’s expected hazard damage per building above that of 82% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Armona gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns, #192 of 847 in California. Most of that expected damage is river and rain flooding (63%), then earthquakes (37%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 63%Earthquakes 37%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 82%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#192 of 847 in California
Hazard risk
C−#192 of 847
in California · higher than 82% of U.S. towns
Main hazard
River and rain flooding
63% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 16 declared for Kings County
By hazard

What Armona faces

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

River and rain flooding

63%of expected building damage
Above average · higher than 78% of U.S. census tracts
Recorded about once a year in the area

Earthquakes

37%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Smaller shares here
 Tornadoes Wildfire Heat waves top 1% Hail Strong wind Winter storms Landslides Lightning
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 13% of Armona’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Armona’s grade

River and rain flooding is 63% of the building damage FEMA expects in Armona, and Armona’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Next is earthquakes at 37% (higher than 88% of U.S. census tracts).

Where Armona sits
Armona
Least damageMiddleMost damage

C− #192 of 847 in California; higher expected damage per building than 82% of U.S. towns (21,298).

All of Armona’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding63%Earthquakes37%Everything else0%

The typical California town has higher expected damage than 92% of U.S. towns; within the state, Armona has less expected damage per building than 77% of California towns.

In dollars, FEMA expects about $2.0M a year in losses across Armona: $1.3M to buildings, the rest to people and crops.

Shared tract.All of Armona’s 4,274 residents (2020 census) live in one census tract, which it shares with Grangeville CDP (508 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Armona flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Armona. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Armona isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Kings County.
Disasters

The storms Armona remembers

None of the 16 disasters declared for Kings County shows FEMA aid or repair money reaching Armona itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in ArmonaKings County only

Kings County has had 16 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Be ready

Get ready for what Armona faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Armona

Is Armona at risk for natural disasters?

On FEMA’s National Risk Index, Armona has higher expected damage per building than 82% of U.S. towns: C− for hazard risk, #192 of 847 in California. Most of the expected damage is river and rain flooding (63%) and earthquakes (37%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Armona in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Kings County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Armona?

FEMA’s Community Rating System list shows no discount for Armona’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Armona at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (63%), and Armona’s rate for it is higher than 78% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Armona.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Armona’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.