Photo: Jengod · CC BY-SA 4.0More hazard damage per building is expected in Culver City than in 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Culver City gets a D− for hazard risk: higher expected damage per building than 98% of U.S. towns, #749 of 847 in California. Most of that expected damage is river and rain flooding (59%), then earthquakes (41%). Flood insurance has paid 13 claims here since 1979.
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 Culver City 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 Culver City’s grade
River and rain flooding is 59% of the building damage FEMA expects in Culver City, and Culver City’s rate of river and rain flooding damage is in the top 2% of U.S. census tracts. Earthquakes add 41%, at a rate in the top 3% of U.S. census tracts.
D− #749 of 847 in California; higher expected damage per building than 98% of U.S. towns (21,298).
Culver City’s residents live in 9 census tracts; FEMA’s figures are combined by where they live.
The typical California town has higher expected damage than 92% of U.S. towns; within the state, Culver City has more expected damage per building than 88% of California towns.
In dollars, FEMA expects about $55.6M a year in losses across Culver City: $43.6M to buildings, the rest to people and crops.
Does Culver City flood? Sometimes: 13 flood claims since 1979
Every paid claim on a federal flood insurance policy in Culver City, from FEMA’s records: 0.7 per 1,000 homes, fewer than 85% of the 13,809 U.S. towns with a flood insurance record.
- The Pineapple Express - Southern1 claim · $1K
Culver City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Los Angeles County.2 federal disasters brought FEMA money to Culver City
Disasters that paid out in Culver City itself (aid to households or repair grants to the City of Culver City), newest first, with that year’s flood claims.
- 2025Wildfires and Straight-line Winds173 households applied for aid$6K aid approved
- 2004Severe Storms, Flooding, Debris Flows, and Mudslides25 households applied for aid$72K aid approved$1.9M to the City of Culver City for repairs
Los Angeles County has had 40 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 44 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Los Angeles County, 2002–2025.
Old photos of Culver City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Culver City archive →Culver City and its neighbors
Culver City is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Ladera Heights | Dmore damage than 90% | earthquakes | 1 |
| Culver City | D−more damage than 98% | river and rain flooding | 13 |
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 Culver City 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 Culver City
Is Culver City at risk for natural disasters?
On FEMA’s National Risk Index, Culver City has higher expected damage per building than 98% of U.S. towns: D− for hazard risk, #749 of 847 in California. Most of the expected damage is river and rain flooding (59%) and earthquakes (41%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Culver City flood?
Flood insurance has paid 13 claims in Culver City since 1979, $96K in all, or 0.7 per 1,000 homes, fewer than 85% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Pineapple Express - Southern (1).
Is Culver City 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 Los Angeles County, 33% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Culver City?
FEMA’s Community Rating System list shows no discount for Culver City’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 Culver City?
By FEMA money that reached Culver City, Severe Storms, Flooding, Debris Flows, and Mudslides (2004): 25 households applied for aid, $72K approved, and $1.9M to the City of Culver City for repairs. By flood claims, Pineapple Express - Southern: 1 paid, $1K.
Is Culver City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (59%), and Culver City’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Culver City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Culver City’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.