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C−Hazard risk
Natural hazards in Hilmar-Irwin · FEMA

FEMA puts Hilmar-Irwin’s expected hazard damage per building above that of 79% of U.S. towns, mostly from earthquakes

On FEMA’s National Risk Index, Hilmar-Irwin gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns, #163 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 79%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#163 of 847 in California
Hazard risk
C−#163 of 847
in California · higher than 79% 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 16 declared for Merced County
By hazard

What Hilmar-Irwin 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 8% of U.S. census tracts

River and rain flooding

32%of expected building damage
Below average · lower than 70% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Wildfire Hail Strong wind Winter storms Heat waves Landslides Lightning Volcanic activity top 4%
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 26% of Hilmar-Irwin’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 Hilmar-Irwin’s grade

Earthquakes are 68% of the building damage FEMA expects in Hilmar-Irwin, and Hilmar-Irwin’s rate of earthquakes damage is in the top 8% of U.S. census tracts. Next is river and rain flooding at 32% (lower than 70% of U.S. census tracts).

Where Hilmar-Irwin sits
Hilmar-Irwin
Least damageMiddleMost damage

C− #163 of 847 in California; higher expected damage per building than 79% of U.S. towns (21,298).

Hilmar-Irwin’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

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, Hilmar-Irwin has less expected damage per building than 81% of California towns.

In dollars, FEMA expects about $7.6M a year in losses across Hilmar-Irwin: $3.7M to buildings, the rest to people and crops.

A small-area figure. Hilmar-Irwin covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Hilmar-Irwin flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Hilmar-Irwin. 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

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

Insurance rates: Merced County.
Disasters

The storms Hilmar-Irwin remembers

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

Disasters declared, by decade
Paid out in Hilmar-IrwinMerced County only

Merced 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.

Be ready

Get ready for what Hilmar-Irwin 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 Hilmar-Irwin

Is Hilmar-Irwin at risk for natural disasters?

On FEMA’s National Risk Index, Hilmar-Irwin has higher expected damage per building than 79% of U.S. towns: C− for hazard risk, #163 of 847 in California. Most of the expected damage is earthquakes (68%) and river and rain flooding (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Hilmar-Irwin 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 Merced County, 24% of homes in mapped flood zones carry federal flood insurance, and 5.2% of all homes do.

How much is flood insurance in Hilmar-Irwin?

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

Is Hilmar-Irwin at risk from earthquakes?

It is the largest share of the building damage FEMA expects here (68%), and Hilmar-Irwin’s rate for it is in the top 8% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Hilmar-Irwin.

Town Square →
Start the conversation

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