Photo: Calbear22 at English Wikipedia · Public domainFEMA expects more hazard damage per building in Elkhorn than in 94% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Elkhorn gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns. Most of that expected damage is earthquakes (66%), then river and rain flooding (31%). Flood insurance has paid 10 claims here since 1978.
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 Elkhorn faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
River and rain flooding
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 Elkhorn’s grade
Earthquakes are 66% of the building damage FEMA expects in Elkhorn, and Elkhorn’s rate of earthquakes damage is in the top 2% of U.S. census tracts. Wildfire adds 2%, at a rate in the top 7% of U.S. census tracts.
D higher expected damage per building than 94% of U.S. towns (21,298).
Elkhorn’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.0M a year in losses across Elkhorn: $755K to buildings, the rest to people and crops.
Does Elkhorn flood? Sometimes: 10 flood claims since 1978
Every paid claim on a federal flood insurance policy in Elkhorn, from FEMA’s records: 22.7 per 1,000 homes, more than 85% of the 13,809 U.S. towns with a flood insurance record.
- The Pineapple Express - Southern2 claims · $17K
Elkhorn isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monterey County.The storms Elkhorn remembers
None of the 26 disasters declared for Monterey County shows FEMA aid or repair money reaching Elkhorn itself in FEMA’s records, so these are its biggest flood-claim years.
- 19982 flood claims paidThe year of Ca-citrus Crop Damage 2/2/99, declared for Monterey County
- 20172 flood claims paidThe year of Severe Winter Storms, Flooding, and Mudslides, declared for Monterey County
- 19781 flood claims paidThe year of Coastal Storms, Mudslides and Flooding, declared for Monterey County
Monterey County has had 26 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Monterey County, 2008–2020.
Old photos of Elkhorn after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Elkhorn archive →Elkhorn and its neighbors
Elkhorn has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Elkhorn | Dmore damage than 94% | earthquakes | 10 |
| Prunedale | D−more damage than 95% | earthquakes | 55 |
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 Elkhorn faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Elkhorn
Is Elkhorn at risk for natural disasters?
On FEMA’s National Risk Index, Elkhorn has higher expected damage per building than 94% of U.S. towns: D for hazard risk. Most of the expected damage is earthquakes (66%) and river and rain flooding (31%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Elkhorn flood?
Flood insurance has paid 10 claims in Elkhorn since 1978, $175K in all, or 22.7 per 1,000 homes, more than 85% of U.S. towns with a flood insurance record. The most claims came from Pineapple Express - Southern (2).
Is Elkhorn 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 Monterey County, 23% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Elkhorn?
FEMA’s Community Rating System list shows no discount for Elkhorn’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 Elkhorn?
By flood claims, Pineapple Express - Southern: 2 paid, $17K.
Is Elkhorn at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (66%), and Elkhorn’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Elkhorn.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Elkhorn’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.