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C−Hazard risk
Natural hazards in Country Club · FEMA

FEMA expects more hazard damage per building in Country Club than in 81% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Country Club gets a C− for hazard risk: higher expected damage per building than 81% of U.S. towns, #181 of 847 in California. Most of that expected damage is river and rain flooding (59%), then earthquakes (40%). Flood insurance has paid 11 claims here since 1997.

River and rain flooding 59%Earthquakes 40%

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 81%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#181 of 847 in California
Hazard risk
C−#181 of 847
in California · higher than 81% of U.S. towns
Main hazard
River and rain flooding
59% of expected building damage
Flood claims
11
paid since 1997 · $185K
Flood claims per home
3 per 1,000
fewer than 52% of U.S. towns
By hazard

What Country Club 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

59%of expected building damage
Above average · higher than 73% of U.S. census tracts
Recorded about once a year in the area

Earthquakes

40%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Smaller shares here
 Tornadoes Hail Strong wind Wildfire Winter storms Heat waves Landslides Lightning Volcanic activity top 4%
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 earthquakes at 54% of Country Club’s expected losses. Earthquakes do little damage to buildings (40.5%), 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 Country Club’s grade

River and rain flooding is 59% of the building damage FEMA expects in Country Club, and Country Club’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Next is earthquakes at 40% (higher than 89% of U.S. census tracts).

Where Country Club sits
Country Club
Least damageMiddleMost damage

C− #181 of 847 in California; higher expected damage per building than 81% of U.S. towns (21,298).

Country Club’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding59%Earthquakes40%

The typical California town has higher expected damage than 92% of U.S. towns; within the state, Country Club has less expected damage per building than 79% of California towns.

In dollars, FEMA expects about $3.6M a year in losses across Country Club: $2.4M to buildings, the rest to people and crops.

A small-area figure. Country Club covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Country Club flood? Sometimes: 11 flood claims since 1997

Every paid claim on a federal flood insurance policy in Country Club, from FEMA’s records: 3.0 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1997: 1 claim1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 1 claim2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 1 claim2015: 0 claims2016: 1 claim2017: 1 claim2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 3 claims2023: 3 claims2024: 0 claims2025: 0 claims2026: 0 claims199720222023
19972026
Biggest named events
  • The California Atmospheric River6 claims · $163K
11
paid claims since 1997
$185K
paid to owners
0
homes flooded more than once
$17K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Country Club 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 Country Club remembers

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

  1. 20223 flood claims paidThe year of Severe Winter Storms, Flooding, Landslides, and Mudslides, declared for San Joaquin County
  2. 20233 flood claims paidThe year of Severe Winter Storms, Flooding, Landslides, and Mudslides, declared for San Joaquin County
  3. 19971 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Country ClubSan 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 Country Club after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Country Club archive →
Be ready

Get ready for what Country Club 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 Country Club

Is Country Club at risk for natural disasters?

On FEMA’s National Risk Index, Country Club has higher expected damage per building than 81% of U.S. towns: C− for hazard risk, #181 of 847 in California. Most of the expected damage is river and rain flooding (59%) and earthquakes (40%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Country Club flood?

Flood insurance has paid 11 claims in Country Club since 1997, $185K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record. The most claims came from California Atmospheric River (6).

Is Country Club 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 Country Club?

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

By flood claims, California Atmospheric River: 6 paid, $163K.

Is Country Club at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (59%), and Country Club’s rate for it is higher than 73% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Country Club.

Town Square →
Start the conversation

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