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John Ohm HouseJohn Ohm House · Photo: Michael Aivaliotis · CC BY-SA 3.0
DHazard risk
Natural hazards in Grayson · FEMA

FEMA puts Grayson’s expected hazard damage per building above that of 85% of U.S. towns, led by earthquakes

On FEMA’s National Risk Index, Grayson gets a D for hazard risk: higher expected damage per building than 85% of U.S. towns. Most of that expected damage is earthquakes (49%), then river and rain flooding (33%). FEMA’s files show no paid flood insurance claims here.

Earthquakes 49%River and rain flooding 33%Wildfire 17%

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 85%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D
in California · higher than 85% of U.S. towns
Main hazard
Earthquakes
49% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 16 declared for Stanislaus County
By hazard

What Grayson faces

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

Earthquakes

49%of expected building damage
Well above average · in the top 9% of U.S. census tracts

River and rain flooding

33%of expected building damage
About average · lower than 56% of U.S. census tracts
Recorded about once every 2 years in the area

Wildfire

17%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Smaller shares here
 Tornadoes Landslides top 4% Hail Strong wind Winter storms Heat waves Lightning Avalanches top 1% Volcanic activity top 4%
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 63% of Grayson’s expected losses. Drought does 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 Grayson’s grade

Earthquakes are 49% of the building damage FEMA expects in Grayson, and Grayson’s rate of earthquakes damage is in the top 9% of U.S. census tracts. Wildfire adds 17%, at a rate in the top 2% of U.S. census tracts.

Where Grayson sits
Grayson
Least damageMiddleMost damage

D higher expected damage per building than 85% of U.S. towns (21,298).

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

What drives the damage to buildings
Earthquakes49%River and rain flooding33%Wildfire17%

In dollars, FEMA expects about $2.7M a year in losses across Grayson: $865K to buildings, the rest to people and crops.

Shared tract.All of Grayson’s 1,041 residents (2020 census) live in one census tract, which it shares with Westley CDP (575 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. 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 Grayson flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Grayson. 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

Grayson isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Stanislaus County.
Disasters

The storms Grayson remembers

None of the 16 disasters declared for Stanislaus County shows FEMA aid or repair money reaching Grayson itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in GraysonStanislaus County only

Stanislaus County has had 16 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Stanislaus County, 2020–2020.

Be ready

Get ready for what Grayson 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 ↗
Wildfire
  • 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.
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 Grayson

Is Grayson at risk for natural disasters?

On FEMA’s National Risk Index, Grayson has higher expected damage per building than 85% of U.S. towns: D for hazard risk. Most of the expected damage is earthquakes (49%) and river and rain flooding (33%). 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 Grayson 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 Stanislaus County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Grayson?

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

Is Grayson at risk from earthquakes?

It is the largest share of the building damage FEMA expects here (49%), and Grayson’s rate for it is in the top 9% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Grayson.

Town Square →
Start the conversation

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