On FEMA’s figures, Strathmore faces more hazard damage per building than 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Strathmore gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #204 of 847 in California. Most of that expected damage is river and rain flooding (86%), then earthquakes (12%). 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 Strathmore 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
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 Strathmore’s grade
River and rain flooding is 86% of the building damage FEMA expects in Strathmore, and Strathmore’s rate of river and rain flooding damage is in the top 10% of U.S. census tracts. Wildfire adds 2%, at a rate in the top 9% of U.S. census tracts.
C− #204 of 847 in California; higher expected damage per building than 84% of U.S. towns (21,298).
All of Strathmore’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, Strathmore has less expected damage per building than 76% of California towns.
In dollars, FEMA expects about $1.2M a year in losses across Strathmore: $929K to buildings, the rest to people and crops.
Does Strathmore flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Strathmore. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Strathmore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tulare County.1 federal disaster brought FEMA money to Strathmore
Disasters that paid out in Strathmore itself (aid to households or repair grants to Strathmore), newest first, with that year’s flood claims.
- 2023Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides42 households applied for aid$83K aid approved
Tulare County has had 17 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.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Tulare County, 2016–2020.
Old photos of Strathmore after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Strathmore archive →Get ready for what Strathmore 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.
- 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 Strathmore
Is Strathmore at risk for natural disasters?
On FEMA’s National Risk Index, Strathmore has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #204 of 847 in California. Most of the expected damage is river and rain flooding (86%) and earthquakes (12%). 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 Strathmore 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 Tulare County, 20% of homes in mapped flood zones carry federal flood insurance, and 2.9% of all homes do.
How much is flood insurance in Strathmore?
FEMA’s Community Rating System list shows no discount for Strathmore’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 Strathmore?
By FEMA money that reached Strathmore, Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (2023): 42 households applied for aid, $83K approved.
Is Strathmore at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Strathmore’s rate for it is in the top 10% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Strathmore.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Strathmore’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.