FEMA puts China Lake Acres’s expected hazard damage per building above that of 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, China Lake Acres gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns, #264 of 847 in California. Most of that expected damage is river and rain flooding (53%), then earthquakes (46%). FEMA’s files show no paid flood insurance claims here.
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 China Lake Acres 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 China Lake Acres’ grade
River and rain flooding is 53% of the building damage FEMA expects in China Lake Acres, and China Lake Acres’ rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Earthquakes add 46%, at a rate in the top 9% of U.S. census tracts.
D #264 of 847 in California; higher expected damage per building than 88% of U.S. towns (21,298).
All of China Lake Acres’ 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, China Lake Acres has less expected damage per building than 69% of California towns.
In dollars, FEMA expects about $943K a year in losses across China Lake Acres: $725K to buildings, the rest to people and crops.
Does China Lake Acres flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in China Lake Acres. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
China Lake Acres isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kern County.The storms China Lake Acres remembers
None of the 22 disasters declared for Kern County shows FEMA aid or repair money reaching China Lake Acres itself in FEMA’s records, so these are its biggest flood-claim years.
Kern County has had 22 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 15 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Kern County, 2002–2024.
China Lake Acres and its neighbors
China Lake Acres has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| China Lake Acres | Dmore damage than 88% | river and rain flooding | 0 |
| Inyokern | — | 912 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what China Lake Acres 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 China Lake Acres
Is China Lake Acres at risk for natural disasters?
On FEMA’s National Risk Index, China Lake Acres has higher expected damage per building than 88% of U.S. towns: D for hazard risk, #264 of 847 in California. Most of the expected damage is river and rain flooding (53%) and earthquakes (46%). 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 China Lake Acres 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 Kern County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in China Lake Acres?
FEMA’s Community Rating System list shows no discount for China Lake Acres’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is China Lake Acres at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (53%), and China Lake Acres’ rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in China Lake Acres.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where China Lake Acres’ 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.