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DHazard risk
Natural hazards in Ford City · FEMA

FEMA puts Ford City’s expected hazard damage per building above that of 90% of U.S. towns, mostly from earthquakes

On FEMA’s National Risk Index, Ford City gets a D for hazard risk: higher expected damage per building than 90% of U.S. towns, #314 of 847 in California. Most of that expected damage is earthquakes (68%), then river and rain flooding (32%). FEMA’s files show no paid flood insurance claims here.

Earthquakes 68%River and rain flooding 32%

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

more than 90%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#314 of 847 in California
Hazard risk
D#314 of 847
in California · higher than 90% of U.S. towns
Main hazard
Earthquakes
68% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 22 declared for Kern County
By hazard

What Ford City faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Earthquakes

68%of expected building damage
Well above average · in the top 4% of U.S. census tracts

River and rain flooding

32%of expected building damage
About average · higher than 56% of U.S. census tracts
Recorded about 6 times a year in the area
Smaller shares here
 Tornadoes Hail Strong wind Wildfire Winter storms Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 10% of Ford City’s expected losses. Heat waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Ford City’s grade

Earthquakes are 68% of the building damage FEMA expects in Ford City, and Ford City’s rate of earthquakes damage is in the top 4% of U.S. census tracts. Next is river and rain flooding at 32% (higher than 56% of U.S. census tracts).

Where Ford City sits
Ford City
Least damageMiddleMost damage

D #314 of 847 in California; higher expected damage per building than 90% of U.S. towns (21,298).

All of Ford City’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Earthquakes68%River and rain flooding32%

The typical California town has higher expected damage than 92% of U.S. towns; within the state, Ford City has less expected damage per building than 63% of California towns.

In dollars, FEMA expects about $1.9M a year in losses across Ford City: $1.1M to buildings, the rest to people and crops.

Shared tract.All of Ford City’s 4,348 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Ford City flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Ford City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Ford 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: Kern County.
Disasters

The storms Ford City remembers

None of the 22 disasters declared for Kern County shows FEMA aid or repair money reaching Ford City itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Ford CityKern County only

Kern County has had 22 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 15 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Kern County, 2002–2024.

Be ready

Get ready for what Ford 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.

Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Ford City

Is Ford City at risk for natural disasters?

On FEMA’s National Risk Index, Ford City has higher expected damage per building than 90% of U.S. towns: D for hazard risk, #314 of 847 in California. Most of the expected damage is earthquakes (68%) and river and rain flooding (32%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Ford 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 Kern County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Ford City?

FEMA’s Community Rating System list shows no discount for Ford City’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Ford City at risk from earthquakes?

It is the largest share of the building damage FEMA expects here (68%), and Ford City’s rate for it is in the top 4% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Ford City.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ford 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.