FEMA expects more hazard damage per building in Harbison Canyon than almost anywhere in the U.S., mostly from wildfire
On FEMA’s National Risk Index, Harbison Canyon gets a D− for hazard risk: among the highest expected damage per building of U.S. towns, #785 of 847 in California. Most of that expected damage is wildfire (75%), then river and rain flooding (22%). Flood insurance has paid 3 claims here since 1993.
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 Harbison Canyon faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
River and rain flooding
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 Harbison Canyon’s grade
Wildfire is 75% of the building damage FEMA expects in Harbison Canyon, and Harbison Canyon’s rate of wildfire damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 22% (higher than 76% of U.S. census tracts).
D− #785 of 847 in California; among the highest expected damage per building of U.S. towns (21,298).
Harbison Canyon’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, Harbison Canyon has more expected damage per building than 93% of California towns.
In dollars, FEMA expects about $4.4M a year in losses across Harbison Canyon: $4.1M to buildings, the rest to people and crops.
Does Harbison Canyon flood? Rarely: 3 flood claims since 1993
Every paid claim on a federal flood insurance policy in Harbison Canyon, from FEMA’s records: 2.0 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.
Harbison Canyon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: San Diego County.The storms Harbison Canyon remembers
None of the 30 disasters declared for San Diego County shows FEMA aid or repair money reaching Harbison Canyon itself in FEMA’s records, so these are its biggest flood-claim years.
- 19932 flood claims paidThe year of Fires, Mud/landslides, Flooding, Soil Erosion, declared for San Diego County
- 20161 flood claims paidNo declaration for the county that year
San Diego County has had 30 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 18 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in San Diego County, 2002–2018.
Old photos of Harbison Canyon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harbison Canyon archive →Harbison Canyon and its neighbors
Harbison Canyon is 2nd 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 Harbison Canyon faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Harbison Canyon
Is Harbison Canyon at risk for natural disasters?
On FEMA’s National Risk Index, Harbison Canyon has among the highest expected damage per building of U.S. towns: D− for hazard risk, #785 of 847 in California. Most of the expected damage is wildfire (75%) and river and rain flooding (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Harbison Canyon flood?
Flood insurance has paid 3 claims in Harbison Canyon since 1993, $18K in all, or 2.0 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record.
Is Harbison Canyon 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 San Diego County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Harbison Canyon?
FEMA’s Community Rating System list shows no discount for Harbison Canyon’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Harbison Canyon at risk from wildfire?
It is the largest share of the building damage FEMA expects here (75%), and Harbison Canyon’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Harbison Canyon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harbison Canyon’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.