Photo: Dorothea Lange · Public domainFEMA expects about as much hazard damage per building in Florin as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Florin gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns, #30 of 847 in California. Most of that expected damage is river and rain flooding (71%), then earthquakes (28%). Flood insurance has paid 13 claims here since 1995.
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 Florin 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 Florin’s grade
River and rain flooding is 71% of the building damage FEMA expects in Florin, and Florin’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Next is earthquakes at 28% (higher than 82% of U.S. census tracts).
B #30 of 847 in California; lower expected damage per building than 58% of U.S. towns (21,298).
Florin’s residents live in 15 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, Florin has less expected damage per building than 97% of California towns.
In dollars, FEMA expects about $7.8M a year in losses across Florin: $7.1M to buildings, the rest to people and crops.
Does Florin flood? Sometimes: 13 flood claims since 1995
Every paid claim on a federal flood insurance policy in Florin, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
- The California Atmospheric River1 claim · $98K
- The Pineapple Express - Southern1 claim · $979
Florin 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.The storms Florin remembers
None of the 19 disasters declared for Sacramento County shows FEMA aid or repair money reaching Florin itself in FEMA’s records, so these are its biggest flood-claim years.
- 19956 flood claims paidThe year of Severe Winter Storms, Flooding Landslides, Mud Flow, declared for Sacramento County
- 19982 flood claims paidThe year of Severe Winter Storms and Flooding, declared for Sacramento County
- 20172 flood claims paidThe year of Severe Winter Storms, Flooding, and Mudslides, declared for Sacramento County
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 Florin after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Florin archive →Florin and its neighbors
Florin is 5th of the 5 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 |
|---|---|---|---|
| Parkway | Aless damage than 88% | earthquakes | 64 |
| Sacramento | B+less damage than 67% | river and rain flooding | 1,013 |
| Elk Grove | Bless damage than 64% | river and rain flooding | 6 |
| Vineyard | Bless damage than 61% | river and rain flooding | 14 |
| Florin | Bless damage than 58% | 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 Florin 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 Florin
Is Florin at risk for natural disasters?
On FEMA’s National Risk Index, Florin has lower expected damage per building than 58% of U.S. towns: B for hazard risk, #30 of 847 in California. Most of the expected damage is river and rain flooding (71%) and earthquakes (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Florin flood?
Flood insurance has paid 13 claims in Florin since 1995, $156K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record. The most claims came from California Atmospheric River (1).
Is Florin 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 Florin?
FEMA’s Community Rating System list shows no discount for Florin’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 Florin?
By flood claims, California Atmospheric River: 1 paid, $98K.
Is Florin at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Florin’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Florin.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Florin’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.