Photo: Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0FEMA puts Lemoore’s expected hazard damage per building above that of 65% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Lemoore gets a C for hazard risk: higher expected damage per building than 65% of U.S. towns, #99 of 847 in California. Most of that expected damage is earthquakes (54%), then river and rain flooding (46%). 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 Lemoore faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
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 Lemoore’s grade
Earthquakes are 54% of the building damage FEMA expects in Lemoore, and Lemoore’s rate of earthquakes damage is higher than 88% of U.S. census tracts. Next is river and rain flooding at 46% (lower than 58% of U.S. census tracts).
C #99 of 847 in California; higher expected damage per building than 65% of U.S. towns (21,298).
Lemoore’s residents live in 5 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, Lemoore has less expected damage per building than 88% of California towns.
In dollars, FEMA expects about $8.9M a year in losses across Lemoore: $5.8M to buildings, the rest to people and crops.
Does Lemoore flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lemoore. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lemoore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kings County.1 federal disaster brought FEMA money to Lemoore
Disasters that paid out in Lemoore itself (aid to households or repair grants to the City of Lemoore), newest first, with that year’s flood claims.
- 2023Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides$71K to the City of Lemoore for repairs
Kings County has had 16 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.
Old photos of Lemoore after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lemoore archive →Get ready for what Lemoore faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Lemoore
Is Lemoore at risk for natural disasters?
On FEMA’s National Risk Index, Lemoore has higher expected damage per building than 65% of U.S. towns: C for hazard risk, #99 of 847 in California. Most of the expected damage is earthquakes (54%) and river and rain flooding (46%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lemoore 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 Kings County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Lemoore?
FEMA’s Community Rating System list shows no discount for Lemoore’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Lemoore?
By FEMA money that reached Lemoore, Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (2023): $71K to the City of Lemoore for repairs.
Is Lemoore at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (54%), and Lemoore’s rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lemoore.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lemoore’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.