More hazard damage per building is expected in South Taft than in 89% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, South Taft gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns, #298 of 847 in California. Most of that expected damage is earthquakes (68%), then river and rain flooding (32%). 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 South Taft 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.
What’s behind South Taft’s grade
Earthquakes are 68% of the building damage FEMA expects in South Taft, and South Taft’s rate of earthquakes damage is in the top 4% of U.S. census tracts. Next is river and rain flooding at 32% (higher than 51% of U.S. census tracts).
D #298 of 847 in California; higher expected damage per building than 89% of U.S. towns (21,298).
All of South Taft’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, South Taft has less expected damage per building than 65% of California towns.
In dollars, FEMA expects about $784K a year in losses across South Taft: $459K to buildings, the rest to people and crops.
Does South Taft flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in South Taft. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
South Taft isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kern County.The storms South Taft remembers
None of the 22 disasters declared for Kern County shows FEMA aid or repair money reaching South Taft itself in FEMA’s records, so these are its biggest flood-claim years.
Kern County has had 22 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 15 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Kern County, 2002–2024.
South Taft and its neighbors
South Taft is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Taft Heights | Dmore damage than 89% | earthquakes | — |
| South Taft | Dmore damage than 89% | earthquakes | 0 |
| Taft | Dmore damage than 90% | earthquakes | — |
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 South Taft 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 South Taft
Is South Taft at risk for natural disasters?
On FEMA’s National Risk Index, South Taft has higher expected damage per building than 89% of U.S. towns: D for hazard risk, #298 of 847 in California. Most of the expected damage is earthquakes (68%) and river and rain flooding (32%). 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 South Taft 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 Kern County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in South Taft?
FEMA’s Community Rating System list shows no discount for South Taft’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is South Taft at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (68%), and South Taft’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in South Taft.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where South Taft’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.