Photo: David Jordan · CC BY-SA 3.0FEMA puts Monrovia’s expected hazard damage per building above that of 95% of U.S. towns, led by earthquakes
On FEMA’s National Risk Index, Monrovia gets a D for hazard risk: higher expected damage per building than 95% of U.S. towns, #541 of 847 in California. Most of that expected damage is earthquakes (49%), then river and rain flooding (47%). Flood insurance has paid 7 claims here since 1978.
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 Monrovia 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 Monrovia’s grade
Earthquakes are 49% of the building damage FEMA expects in Monrovia, and Monrovia’s rate of earthquakes damage is in the top 4% of U.S. census tracts. Wildfire adds 4%, at a rate in the top 5% of U.S. census tracts.
D #541 of 847 in California; higher expected damage per building than 95% of U.S. towns (21,298).
Monrovia’s residents live in 11 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, Monrovia has more expected damage per building than 64% of California towns.
In dollars, FEMA expects about $30.0M a year in losses across Monrovia: $22.9M to buildings, the rest to people and crops.
Does Monrovia flood? Rarely: 7 flood claims since 1978
Every paid claim on a federal flood insurance policy in Monrovia, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.
- The Pineapple Express - Southern1 claim · $2K
Monrovia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Los Angeles County.6 federal disasters brought FEMA money to Monrovia
Disasters that paid out in Monrovia itself (aid to households or repair grants to the City of Monrovia), newest first, with that year’s flood claims.
- 2025Wildfires and Straight-line Winds728 households applied for aid$151K aid approved$42K to the City of Monrovia for repairs
- 2022Severe Winter Storms, Flooding, Landslides, and Mudslides$2.7M to the City of Monrovia for repairs
- 2020Wildfires15 households applied for aid$1.9M to the City of Monrovia for repairs
- 2017Severe Winter Storms, Flooding, and Mudslides$36K to the City of Monrovia for repairs
- 2004Severe Storms, Flooding, Debris Flows, and Mudslides34 households applied for aid$17K aid approved$349K to the City of Monrovia for repairs
- 2003Wildfires, Flooding, Mudflow and Debris Flow Directly Related T5 households applied for aid$131 aid approved
Los Angeles County has had 40 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 44 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Los Angeles County, 2002–2025.
Old photos of Monrovia after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Monrovia archive →Monrovia and its neighbors
Monrovia is 3rd of the 6 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 |
|---|---|---|---|
| Irwindale | Dmore damage than 88% | earthquakes | — |
| Duarte | Dmore damage than 89% | earthquakes | 1 |
| Monrovia | Dmore damage than 95% | earthquakes | 7 |
| South Monrovia Island | D−more damage than 96% | river and rain flooding | — |
| Arcadia | D−more damage than 96% | river and rain flooding | 5 |
| Mayflower Village | D−more damage than 97% | river and rain flooding | — |
| Bradbury | — | 788 residents; we grade 1,000+ | |
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 Monrovia 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 Monrovia
Is Monrovia at risk for natural disasters?
On FEMA’s National Risk Index, Monrovia has higher expected damage per building than 95% of U.S. towns: D for hazard risk, #541 of 847 in California. Most of the expected damage is earthquakes (49%) and river and rain flooding (47%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Monrovia flood?
Flood insurance has paid 7 claims in Monrovia since 1978, $35K in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Pineapple Express - Southern (1).
Is Monrovia 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 Los Angeles County, 33% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Monrovia?
FEMA’s Community Rating System list shows no discount for Monrovia’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 Monrovia?
By FEMA money that reached Monrovia, Severe Winter Storms, Flooding, Landslides, and Mudslides (2022): $2.7M to the City of Monrovia for repairs. By flood claims, Pineapple Express - Southern: 1 paid, $2K.
Is Monrovia at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (49%), and Monrovia’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Monrovia.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Monrovia’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.