Nicholas Carriger Estate · Photo: Sanfranman59 · CC BY-SA 3.0On FEMA’s figures, few U.S. towns expect more hazard damage per building than El Verano, mostly from river and rain flooding
On FEMA’s National Risk Index, El Verano gets a D− for hazard risk: among the highest expected damage per building of U.S. towns, #805 of 847 in California. Most of that expected damage is river and rain flooding (70%), then earthquakes (28%). 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 El Verano 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 El Verano’s grade
River and rain flooding is 70% of the building damage FEMA expects in El Verano, and El Verano’s rate of river and rain flooding damage is in the top 1% of U.S. census tracts. Earthquakes add 28%, at a rate in the top 5% of U.S. census tracts.
D− #805 of 847 in California; among the highest expected damage per building of U.S. towns (21,298).
El Verano’s residents live in 2 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, El Verano has more expected damage per building than 95% of California towns.
In dollars, FEMA expects about $4.7M a year in losses across El Verano: $4.1M to buildings, the rest to people and crops.
Does El Verano flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in El Verano. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
El Verano isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sonoma County.The storms El Verano remembers
None of the 24 disasters declared for Sonoma County shows FEMA aid or repair money reaching El Verano itself in FEMA’s records, so these are its biggest flood-claim years.
Sonoma County has had 24 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 8 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Sonoma County, 2004–2020.
El Verano and its neighbors
El Verano is 3rd of the 3 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 |
|---|---|---|---|
| Sonoma | D−more damage than 95% | river and rain flooding | 42 |
| Boyes Hot Springs | D−among the highest damage | river and rain flooding | 8 |
| El Verano | D−among the highest damage | river and rain flooding | 0 |
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 El Verano 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 El Verano
Is El Verano at risk for natural disasters?
On FEMA’s National Risk Index, El Verano has among the highest expected damage per building of U.S. towns: D− for hazard risk, #805 of 847 in California. Most of the expected damage is river and rain flooding (70%) and earthquakes (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is El Verano 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 Sonoma County, 31% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in El Verano?
FEMA’s Community Rating System list shows no discount for El Verano’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is El Verano at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and El Verano’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in El Verano.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where El Verano’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.