Photo: Bobak Ha'Eri · CC BY 3.0On FEMA’s figures, San Andreas faces more hazard damage per building than 86% of U.S. towns, mostly from wildfire
On FEMA’s National Risk Index, San Andreas gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns, #246 of 847 in California. Most of that expected damage is wildfire (60%), then river and rain flooding (37%). 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 stands out about San Andreas’ natural hazards
From FEMA’s model and FEMA’s records, below.
What San Andreas faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
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 San Andreas’ grade
Wildfire is 60% of the building damage FEMA expects in San Andreas, and San Andreas’ rate of wildfire damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 37% (higher than 55% of U.S. census tracts).
D #246 of 847 in California; higher expected damage per building than 86% of U.S. towns (21,298).
San Andreas’ residents live in 2 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, San Andreas has less expected damage per building than 71% of California towns.
In dollars, FEMA expects about $2.5M a year in losses across San Andreas: $2.2M to buildings, the rest to people and crops.
Does San Andreas flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in San Andreas. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
San Andreas 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.2 federal disasters brought FEMA money to San Andreas
Disasters that paid out in San Andreas itself (aid to households or repair grants to San Andreas), newest first, with that year’s flood claims.
- 2022Severe Winter Storms, Flooding, Landslides, and Mudslides51 households applied for aid$50K aid approved
- 2015Valley Fire and Butte Fire106 households applied for aid$381K aid approved
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.
Old photos of San Andreas after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the San Andreas archive →Get ready for what San Andreas faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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 San Andreas
Is San Andreas at risk for natural disasters?
On FEMA’s National Risk Index, San Andreas has higher expected damage per building than 86% of U.S. towns: D for hazard risk, #246 of 847 in California. Most of the expected damage is wildfire (60%) and river and rain flooding (37%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is San Andreas 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 San Andreas?
FEMA’s Community Rating System list shows no discount for San Andreas’ 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 San Andreas?
By FEMA money that reached San Andreas, Valley Fire and Butte Fire (2015): 106 households applied for aid, $381K approved.
Is San Andreas at risk from wildfire?
It is the largest share of the building damage FEMA expects here (60%), and San Andreas’ rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in San Andreas.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where San Andreas’ 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.