Photo: UncleVinny · CC BY 3.0For wildfire, Loomis’s building-damage rate is in the top 5% of U.S. census tracts
On FEMA’s National Risk Index, Loomis gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns, #42 of 847 in California. Most of that expected damage is river and rain flooding (82%), then wildfire (12%). Flood insurance has paid 11 claims here since 1995.
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 Loomis 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
Wildfire
Earthquakes
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 Loomis’ grade
River and rain flooding is 82% of the building damage FEMA expects in Loomis, and Loomis’ rate of river and rain flooding damage is higher than 65% of U.S. census tracts. Wildfire adds 12%, at a rate in the top 5% of U.S. census tracts.
B− #42 of 847 in California; lower expected damage per building than 53% of U.S. towns (21,298).
Loomis’ residents live in 3 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, Loomis has less expected damage per building than 95% of California towns.
In dollars, FEMA expects about $2.4M a year in losses across Loomis: $2.3M to buildings, the rest to people and crops.
Does Loomis flood? Sometimes: 11 flood claims since 1995
Every paid claim on a federal flood insurance policy in Loomis, from FEMA’s records: 3.5 per 1,000 homes, more than 52% of the 13,809 U.S. towns with a flood insurance record.
- The Pineapple Express - Southern1 claim · $4K
Loomis isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Placer County.1 federal disaster brought FEMA money to Loomis
Disasters that paid out in Loomis itself (aid to households or repair grants to the Town of Loomis), newest first, with that year’s flood claims.
- 2005Severe Storms, Flooding, Mudslides, and Landslides$8K to the Town of Loomis for repairs
Placer 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 7 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Placer County, 2002–2022.
Old photos of Loomis after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Loomis archive →Loomis and its neighbors
Loomis is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Rocklin | Bless damage than 58% | river and rain flooding | 19 |
| Loomis | B−less damage than 53% | river and rain flooding | 11 |
| Granite Bay | Cmore damage than 68% | river and rain flooding | 99 |
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 Loomis 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Loomis
Is Loomis at risk for natural disasters?
On FEMA’s National Risk Index, Loomis has lower expected damage per building than 53% of U.S. towns: B− for hazard risk, #42 of 847 in California. Most of the expected damage is river and rain flooding (82%) and wildfire (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Loomis flood?
Flood insurance has paid 11 claims in Loomis since 1995, $366K in all, or 3.5 per 1,000 homes, more than 52% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Pineapple Express - Southern (1).
Is Loomis 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 Placer County, 43% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Loomis?
FEMA’s Community Rating System list shows no discount for Loomis’ 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 Loomis?
By FEMA money that reached Loomis, Severe Storms, Flooding, Mudslides, and Landslides (2005): $8K to the Town of Loomis for repairs. By flood claims, Pineapple Express - Southern: 1 paid, $4K.
Is Loomis at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Loomis’ rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Loomis.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Loomis’ 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.