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–Not graded
Natural hazards in Peters · FEMA

Storms, floods and disasters in Peters

Peters isn’t graded for hazard risk: Peters has 568 residents; we grade towns of 1,000 or more. Flood insurance has paid 9 claims here since 1995.

Flood claims
9
paid since 1995 · $338K
Disasters paid out here
0
of 22 declared for San Joaquin County
By hazard

What Peters 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

76%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about once a year in the area

Earthquakes

20%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Smaller shares here
 Wildfire Tornadoes Hail Strong wind Winter storms Heat waves Landslides Lightning Volcanic activity top 4%
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 69% of Peters’ expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

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 Peters flood? Rarely: 9 flood claims since 1995

Every paid claim on a federal flood insurance policy in Peters, from FEMA’s records.

Paid flood claims, by year
1995: 1 claim1996: 0 claims1997: 0 claims1998: 2 claims1999: 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: 2 claims2023: 4 claims2024: 0 claims2025: 0 claims2026: 0 claims199820222023
19952026
Biggest named events
  • The California Atmospheric River6 claims · $320K
  • The Pineapple Express - Southern2 claims · $11K
9
paid claims since 1995
$338K
paid to owners
0
homes flooded more than once
$38K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: San Joaquin County.
Disasters

The storms Peters remembers

None of the 22 disasters declared for San Joaquin County shows FEMA aid or repair money reaching Peters itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20234 flood claims paidThe year of Severe Winter Storms, Flooding, Landslides, and Mudslides, declared for San Joaquin County
  2. 19982 flood claims paidThe year of Severe Winter Storms and Flooding, declared for San Joaquin County
  3. 20222 flood claims paidThe year of Severe Winter Storms, Flooding, Landslides, and Mudslides, declared for San Joaquin County
Disasters declared, by decade
Paid out in PetersSan Joaquin County only

San Joaquin County has had 22 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.

Were you here?

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

Add to the Peters archive →
Be ready

Get ready for what Peters 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 Peters

Does Peters flood?

Flood insurance has paid 9 claims in Peters since 1995, $338K in all. The most claims came from California Atmospheric River (6).

Is Peters 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 San Joaquin County, 25% of homes in mapped flood zones carry federal flood insurance, and 1.8% of all homes do.

How much is flood insurance in Peters?

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

By flood claims, California Atmospheric River: 6 paid, $320K.

Storm stories

Memories, warnings and help from neighbors in Peters.

Town Square →
Start the conversation

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