Photo: Clotee Pridgen Alloc… · CC BY-SA 3.0Storms, floods and disasters in Sand City
Sand City isn’t graded for hazard risk: Sand City has 404 residents; we grade towns of 1,000 or more.
What Sand City faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
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.
Does Sand City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Sand City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Sand City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monterey County.2 federal disasters brought FEMA money to Sand City
Disasters that paid out in Sand City itself (aid to households or repair grants to the City of Sand City), newest first, with that year’s flood claims.
- 2023Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides17 households applied for aid$42K aid approved
- 2017Severe Winter Storms, Flooding, and Mudslides$89K to the City of Sand City for repairs
Monterey County has had 26 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Monterey County, 2008–2020.
Old photos of Sand City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sand City archive →Sand City and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Seaside | Dmore damage than 90% | earthquakes | 2 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Sand City faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Sand City
Is Sand City 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 Monterey County, 23% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Sand City?
FEMA’s Community Rating System list shows no discount for Sand City’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 Sand City?
By FEMA money that reached Sand City, Severe Winter Storms, Flooding, and Mudslides (2017): $89K to the City of Sand City for repairs.
Storm stories
Memories, warnings and help from neighbors in Sand City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sand City’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.