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–Not graded
Natural hazards in Mountain Ranch · FEMA

Storms, floods and disasters in Mountain Ranch

Mountain Ranch isn’t graded for hazard risk: Mountain Ranch has 324 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 15 declared for Calaveras County
By hazard

What Mountain Ranch faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Wildfire

70%of expected building damage
Well above average · in the top 1% of U.S. census tracts

River and rain flooding

28%of expected building damage
About average · higher than 60% of U.S. census tracts
Recorded about once every 1 years in the area
Smaller shares here
 Earthquakes Tornadoes Strong wind Hail Winter storms Heat waves Landslides Lightning Volcanic activity top 4%
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis

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.
Flood insurance claims

Does Mountain Ranch flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Mountain Ranch. 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

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

Insurance rates: Calaveras County.
Disasters

2 federal disasters brought FEMA money to Mountain Ranch

Disasters that paid out in Mountain Ranch itself (aid to households or repair grants to Mountain Ranch), newest first, with that year’s flood claims.

  1. 2022Severe Winter Storms, Flooding, Landslides, and Mudslides27 households applied for aid$90K aid approved
  2. 2015Valley Fire and Butte Fire533 households applied for aid$2.5M aid approved
Disasters declared, by decade
Paid out in Mountain RanchCalaveras County only

Calaveras County has had 15 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 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Calaveras County, 2004–2026.

Were you here?

Old photos of Mountain Ranch after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Mountain Ranch archive →
Be ready

Get ready for what Mountain Ranch faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Wildfire
  • 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.
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 Mountain Ranch

Is Mountain Ranch 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 Calaveras County, 37% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Mountain Ranch?

FEMA’s Community Rating System list shows no discount for Mountain Ranch’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 Mountain Ranch?

By FEMA money that reached Mountain Ranch, Valley Fire and Butte Fire (2015): 533 households applied for aid, $2.5M approved.

Storm stories

Memories, warnings and help from neighbors in Mountain Ranch.

Town Square →
Start the conversation

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