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DHazard risk
Natural hazards in Collierville · FEMA

FEMA expects more hazard damage per building in Collierville than in 88% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Collierville gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns, #263 of 847 in California. Most of that expected damage is river and rain flooding (74%), then earthquakes (25%). Flood insurance has paid 13 claims here since 1998.

River and rain flooding 74%Earthquakes 25%

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 88%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#263 of 847 in California
Hazard risk
D#263 of 847
in California · higher than 88% of U.S. towns
Main hazard
River and rain flooding
74% of expected building damage
Flood claims
13
paid since 1998 · $543K
Flood claims per home
17 per 1,000
more than 82% of U.S. towns
By hazard

What Collierville 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

74%of expected building damage
Well above average · higher than 90% of U.S. census tracts
Recorded about once a year in the area

Earthquakes

25%of expected building damage
Well above average · higher than 87% of U.S. census tracts
Smaller shares here
 Tornadoes Wildfire Hail Strong wind Winter storms Heat waves Landslides Lightning Volcanic activity
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 40% of Collierville’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 Collierville’s grade

River and rain flooding is 74% of the building damage FEMA expects in Collierville, and Collierville’s rate of river and rain flooding damage is higher than 90% of U.S. census tracts. Next is earthquakes at 25% (higher than 87% of U.S. census tracts).

Where Collierville sits
Collierville
Least damageMiddleMost damage

D #263 of 847 in California; higher expected damage per building than 88% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding74%Earthquakes25%Everything else1%

The typical California town has higher expected damage than 92% of U.S. towns; within the state, Collierville has less expected damage per building than 69% of California towns.

In dollars, FEMA expects about $2.9M a year in losses across Collierville: $1.5M to buildings, the rest to people and crops.

Shared tract.All of Collierville’s 2,094 residents (2020 census) live in one census tract, which it shares with Acampo CDP (334 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 Collierville flood? Sometimes: 13 flood claims since 1998

Every paid claim on a federal flood insurance policy in Collierville, from FEMA’s records: 17.4 per 1,000 homes, more than 82% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1998: 7 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 3 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 3 claims2024: 0 claims2025: 0 claims2026: 0 claims199820172023
19982026
Biggest named events
  • The Pineapple Express - Southern7 claims · $62K
  • The California Atmospheric River3 claims · $439K
13
paid claims since 1998
$543K
paid to owners
0
homes flooded more than once
$42K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: San Joaquin County.
Disasters

The storms Collierville remembers

None of the 22 disasters declared for San Joaquin County shows FEMA aid or repair money reaching Collierville itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19987 flood claims paidThe year of Severe Winter Storms and Flooding, declared for San Joaquin County
  2. 20173 flood claims paidThe year of Severe Winter Storms, Flooding, and Mudslides, declared for San Joaquin County
  3. 20233 flood claims paidThe year of Severe Winter Storms, Flooding, Landslides, and Mudslides, declared for San Joaquin County
Disasters declared, by decade
Paid out in ColliervilleSan Joaquin County only

San Joaquin County has had 22 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.

Were you here?

Old photos of Collierville after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Collierville archive →
Be ready

Get ready for what Collierville 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 Collierville

Is Collierville at risk for natural disasters?

On FEMA’s National Risk Index, Collierville has higher expected damage per building than 88% of U.S. towns: D for hazard risk, #263 of 847 in California. Most of the expected damage is river and rain flooding (74%) and earthquakes (25%). 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 Collierville flood?

Flood insurance has paid 13 claims in Collierville since 1998, $543K in all, or 17.4 per 1,000 homes, more than 82% of U.S. towns with a flood insurance record. The most claims came from Pineapple Express - Southern (7).

Is Collierville 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 San Joaquin County, 25% of homes in mapped flood zones carry federal flood insurance, and 1.8% of all homes do.

How much is flood insurance in Collierville?

FEMA’s Community Rating System list shows no discount for Collierville’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 Collierville?

By flood claims, Pineapple Express - Southern: 7 paid, $62K.

Is Collierville at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (74%), and Collierville’s rate for it is higher than 90% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Collierville.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Collierville’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.