On FEMA’s figures, Elverta faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Elverta gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #57 of 847 in California. Most of that expected damage is river and rain flooding (73%), then earthquakes (18%). Flood insurance has paid 29 claims here since 1982.
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 stands out about Elverta’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Elverta 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
Wildfire
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 Elverta’s grade
River and rain flooding is 73% of the building damage FEMA expects in Elverta, and Elverta’s rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Wildfire adds 8%, at a rate in the top 6% of U.S. census tracts.
B− #57 of 847 in California; higher expected damage per building than 52% of U.S. towns (21,298).
Elverta’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, Elverta has less expected damage per building than 93% of California towns.
In dollars, FEMA expects about $1.0M a year in losses across Elverta: $859K to buildings, the rest to people and crops.
Does Elverta flood? Sometimes: 29 flood claims since 1982
Every paid claim on a federal flood insurance policy in Elverta, from FEMA’s records: 17.8 per 1,000 homes, more than 82% of the 13,809 U.S. towns with a flood insurance record.
Elverta isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sacramento County.1 federal disaster brought FEMA money to Elverta
Disasters that paid out in Elverta itself (aid to households or repair grants to Elverta), newest first, with that year’s flood claims.
- 2022Severe Winter Storms, Flooding, Landslides, and Mudslides17 households applied for aid$59K aid approved
Sacramento County has had 19 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.
Old photos of Elverta after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Elverta archive →Elverta and its neighbors
Elverta is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Elverta 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Elverta
Is Elverta at risk for natural disasters?
On FEMA’s National Risk Index, Elverta has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #57 of 847 in California. Most of the expected damage is river and rain flooding (73%) and earthquakes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Elverta flood?
Flood insurance has paid 29 claims in Elverta since 1982, $699K in all, or 17.8 per 1,000 homes, more than 82% of U.S. towns with a flood insurance record.
Is Elverta 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 Sacramento County, 81% of homes in mapped flood zones carry federal flood insurance, and 9.6% of all homes do.
How much is flood insurance in Elverta?
FEMA’s Community Rating System list shows no discount for Elverta’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 Elverta?
By FEMA money that reached Elverta, Severe Winter Storms, Flooding, Landslides, and Mudslides (2022): 17 households applied for aid, $59K approved.
Is Elverta at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Elverta’s rate for it is higher than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Elverta.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Elverta’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.