Photo: Ellin Beltz · Public domainOn FEMA’s figures, few U.S. towns expect more hazard damage per building than Garberville, mostly from river and rain flooding
On FEMA’s National Risk Index, Garberville gets a D− for hazard risk: among the highest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (67%), then earthquakes (22%). 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 Garberville 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
Landslides
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 Garberville’s grade
River and rain flooding is 67% of the building damage FEMA expects in Garberville, and Garberville’s rate of river and rain flooding damage is in the top 2% of U.S. census tracts. Earthquakes add 22%, at a rate in the top 8% of U.S. census tracts.
D− among the highest expected damage per building of U.S. towns (21,298).
Garberville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.4M a year in losses across Garberville: $1.2M to buildings, the rest to people and crops.
Does Garberville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Garberville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Garberville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Humboldt County.The storms Garberville remembers
None of the 23 disasters declared for Humboldt County shows FEMA aid or repair money reaching Garberville itself in FEMA’s records, so these are its biggest flood-claim years.
Humboldt County has had 23 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Get ready for what Garberville 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.
- Watch for new cracks, tilting trees or suddenly muddy streams after heavy rain.
- Stay off steep slopes in a downpour.
- Leave if you hear rumbling upslope.
- 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 Garberville
Is Garberville at risk for natural disasters?
On FEMA’s National Risk Index, Garberville has among the highest expected damage per building of U.S. towns: D− for hazard risk. Most of the expected damage is river and rain flooding (67%) and earthquakes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Garberville 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 Humboldt County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Garberville?
FEMA’s Community Rating System list shows no discount for Garberville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Garberville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Garberville’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Garberville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Garberville’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.