FEMA puts Planada’s expected hazard damage per building below that of 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Planada gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #22 of 847 in California. Most of that expected damage is river and rain flooding (60%), then earthquakes (33%). FEMA’s files show no paid flood insurance claims here.
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 Planada 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
Earthquakes
Wildfire
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 Planada’s grade
River and rain flooding is 60% of the building damage FEMA expects in Planada, and Planada’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Wildfire adds 6%, at a rate in the top 7% of U.S. census tracts.
B #22 of 847 in California; lower expected damage per building than 62% of U.S. towns (21,298).
All of Planada’s residents live in one census tract; the figures are that tract’s.
The typical California town has higher expected damage than 92% of U.S. towns; within the state, Planada has less expected damage per building than 98% of California towns.
In dollars, FEMA expects about $3.4M a year in losses across Planada: $1.2M to buildings, the rest to people and crops.
Does Planada flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Planada. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Planada isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Merced County.1 federal disaster brought FEMA money to Planada
Disasters that paid out in Planada itself (aid to households or repair grants to Planada), newest first, with that year’s flood claims.
- 2022Severe Winter Storms, Flooding, Landslides, and Mudslides596 households applied for aid$1.4M aid approved
Merced 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.
Old photos of Planada after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Planada archive →Get ready for what Planada 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Planada
Is Planada at risk for natural disasters?
On FEMA’s National Risk Index, Planada has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #22 of 847 in California. Most of the expected damage is river and rain flooding (60%) and earthquakes (33%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Planada 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 Merced County, 24% of homes in mapped flood zones carry federal flood insurance, and 5.2% of all homes do.
How much is flood insurance in Planada?
FEMA’s Community Rating System list shows no discount for Planada’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 Planada?
By FEMA money that reached Planada, Severe Winter Storms, Flooding, Landslides, and Mudslides (2022): 596 households applied for aid, $1.4M approved.
Is Planada at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Planada’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Planada.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Planada’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.