Photo: LittleT889 · CC BY-SA 4.0More hazard damage per building is expected in Casa Conejo than in 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Casa Conejo gets a D for hazard risk: higher expected damage per building than 95% of U.S. towns, #541 of 847 in California. Most of that expected damage is river and rain flooding (71%), then earthquakes (28%). Flood insurance has paid 7 claims here since 1992.
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
What Casa Conejo 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
Earthquakes
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.
What’s behind Casa Conejo’s grade
River and rain flooding is 71% of the building damage FEMA expects in Casa Conejo, and Casa Conejo’s rate of river and rain flooding damage is in the top 4% of U.S. census tracts. Earthquakes add 28%, at a rate in the top 9% of U.S. census tracts.
D #541 of 847 in California; higher expected damage per building than 95% of U.S. towns (21,298).
All of Casa Conejo’s residents live in one census tract; the figures are that tract’s.
The typical California town has higher expected damage than 92% of U.S. towns; within the state, Casa Conejo has more expected damage per building than 64% of California towns.
In dollars, FEMA expects about $2.8M a year in losses across Casa Conejo: $2.6M to buildings, the rest to people and crops.
Does Casa Conejo flood? Rarely: 7 flood claims since 1992
Every paid claim on a federal flood insurance policy in Casa Conejo, from FEMA’s records: 8.3 per 1,000 homes, more than 70% of the 13,809 U.S. towns with a flood insurance record.
- The Pineapple Express - Southern3 claims · $4K
Casa Conejo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ventura County.The storms Casa Conejo remembers
None of the 32 disasters declared for Ventura County shows FEMA aid or repair money reaching Casa Conejo itself in FEMA’s records, so these are its biggest flood-claim years.
- 19923 flood claims paidThe year of Rain/snow/wind Storms, Flooding, Mudslides, declared for Ventura County
- 19983 flood claims paidThe year of Ca-citrus Crop Damage 2/2/99, declared for Ventura County
- 20051 flood claims paidThe year of Severe Storms, Flooding, Landslides, and Mud and Debris Flows, declared for Ventura County
Ventura County has had 32 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 17 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Ventura County, 2003–2026.
Old photos of Casa Conejo after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Casa Conejo archive →Get ready for what Casa Conejo faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Casa Conejo
Is Casa Conejo at risk for natural disasters?
On FEMA’s National Risk Index, Casa Conejo has higher expected damage per building than 95% of U.S. towns: D for hazard risk, #541 of 847 in California. Most of the expected damage is river and rain flooding (71%) and earthquakes (28%). 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.
Does Casa Conejo flood?
Flood insurance has paid 7 claims in Casa Conejo since 1992, $19K in all, or 8.3 per 1,000 homes, more than 70% of U.S. towns with a flood insurance record. The most claims came from Pineapple Express - Southern (3).
Is Casa Conejo 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 Ventura County, 31% of homes in mapped flood zones carry federal flood insurance, and 1.6% of all homes do.
How much is flood insurance in Casa Conejo?
FEMA’s Community Rating System list shows no discount for Casa Conejo’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Casa Conejo?
By flood claims, Pineapple Express - Southern: 3 paid, $4K.
Is Casa Conejo at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Casa Conejo’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Casa Conejo.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Casa Conejo’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.