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C+Hazard risk
Natural hazards in Old Fig Garden · FEMA

FEMA expects more hazard damage per building in Old Fig Garden than in 62% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Old Fig Garden gets a C+ for hazard risk: higher expected damage per building than 62% of U.S. towns, #87 of 847 in California. Most of that expected damage is river and rain flooding (65%), then earthquakes (34%). Flood insurance has paid 4 claims here since 1992.

River and rain flooding 65%Earthquakes 34%

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 62%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#87 of 847 in California
Hazard risk
C+#87 of 847
in California · higher than 62% of U.S. towns
Main hazard
River and rain flooding
65% of expected building damage
Flood claims
4
paid since 1992 · $53K
Flood claims per home
2 per 1,000
fewer than 64% of U.S. towns
By hazard

What Old Fig Garden 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

65%of expected building damage
Above average · higher than 63% of U.S. census tracts
Recorded about 4 times a year in the area

Earthquakes

34%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Smaller shares here
 Tornadoes Hail Heat waves top 2% Lightning Strong wind Wildfire Winter storms Landslides
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamisVolcanic activity

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 Old Fig Garden’s grade

River and rain flooding is 65% of the building damage FEMA expects in Old Fig Garden, and Old Fig Garden’s rate of river and rain flooding damage is higher than 63% of U.S. census tracts. Next is earthquakes at 34% (higher than 85% of U.S. census tracts).

Where Old Fig Garden sits
Old Fig Garden
Least damageMiddleMost damage

C+ #87 of 847 in California; higher expected damage per building than 62% of U.S. towns (21,298).

Old Fig Garden’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding65%Earthquakes34%Everything else1%

The typical California town has higher expected damage than 92% of U.S. towns; within the state, Old Fig Garden has less expected damage per building than 90% of California towns.

In dollars, FEMA expects about $1.6M a year in losses across Old Fig Garden: $1.5M to buildings, the rest to people and crops.

A small-area figure. Old Fig Garden covers 4 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 Old Fig Garden flood? Rarely: 4 flood claims since 1992

Every paid claim on a federal flood insurance policy in Old Fig Garden, from FEMA’s records: 1.8 per 1,000 homes, fewer than 64% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1992: 2 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 1 claim1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 1 claim2024: 0 claims2025: 0 claims2026: 0 claims199219982023
19922026
Biggest named events
  • The Pineapple Express - Southern1 claim · $8K
4
paid claims since 1992
$53K
paid to owners
0
homes flooded more than once
$13K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Fresno County.
Disasters

The storms Old Fig Garden remembers

None of the 15 disasters declared for Fresno County shows FEMA aid or repair money reaching Old Fig Garden itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19922 flood claims paidNo declaration for the county that year
  2. 19981 flood claims paidThe year of Ca-citrus Crop Damage 2/2/99, declared for Fresno County
  3. 20231 flood claims paidThe year of Severe Winter Storms, Flooding, Landslides, and Mudslides, declared for Fresno County
Disasters declared, by decade
Paid out in Old Fig GardenFresno County only

Fresno County has had 15 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.

Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Fresno County, 2016–2020.

Were you here?

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

Add to the Old Fig Garden archive →
Be ready

Get ready for what Old Fig Garden faces

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

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 ↗
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 ↗
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 Old Fig Garden

Is Old Fig Garden at risk for natural disasters?

On FEMA’s National Risk Index, Old Fig Garden has higher expected damage per building than 62% of U.S. towns: C+ for hazard risk, #87 of 847 in California. Most of the expected damage is river and rain flooding (65%) and earthquakes (34%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Old Fig Garden flood?

Flood insurance has paid 4 claims in Old Fig Garden since 1992, $53K in all, or 1.8 per 1,000 homes, fewer than 64% of U.S. towns with a flood insurance record. The most claims came from Pineapple Express - Southern (1).

Is Old Fig Garden 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 Fresno County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Old Fig Garden?

FEMA’s Community Rating System list shows no discount for Old Fig Garden’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 Old Fig Garden?

By flood claims, Pineapple Express - Southern: 1 paid, $8K.

Is Old Fig Garden at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (65%), and Old Fig Garden’s rate for it is higher than 63% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Old Fig Garden.

Town Square →
Start the conversation

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