More hazard damage per building is expected in Thermalito than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Thermalito gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns, #266 of 847 in California. Most of that expected damage is river and rain flooding (80%), then earthquakes (15%). Flood insurance has paid 2 claims here since 1995.
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 Thermalito 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 Thermalito’s grade
River and rain flooding is 80% of the building damage FEMA expects in Thermalito, and Thermalito’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts. Wildfire adds 5%, at a rate in the top 5% of U.S. census tracts.
D #266 of 847 in California; higher expected damage per building than 88% of U.S. towns (21,298).
Thermalito’s 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, Thermalito has less expected damage per building than 69% of California towns.
In dollars, FEMA expects about $2.7M a year in losses across Thermalito: $2.1M to buildings, the rest to people and crops.
Does Thermalito flood? Rarely: 2 flood claims since 1995
Every paid claim on a federal flood insurance policy in Thermalito, from FEMA’s records: 0.8 per 1,000 homes, fewer than 83% of the 13,809 U.S. towns with a flood insurance record.
Thermalito isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Butte County.The storms Thermalito remembers
None of the 24 disasters declared for Butte County shows FEMA aid or repair money reaching Thermalito itself in FEMA’s records, so these are its biggest flood-claim years.
- 19951 flood claims paidThe year of Severe Winter Storms, Flooding Landslides, Mud Flow, declared for Butte County
- 20001 flood claims paidNo declaration for the county that year
Butte County has had 24 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 11 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Butte County, 2004–2024.
Old photos of Thermalito after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Thermalito archive →Thermalito and its neighbors
Thermalito is 2nd of the 2 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 |
|---|---|---|---|
| Oroville | C−more damage than 80% | river and rain flooding | 16 |
| Thermalito | Dmore damage than 88% | river and rain flooding | 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 Thermalito 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 Thermalito
Is Thermalito at risk for natural disasters?
On FEMA’s National Risk Index, Thermalito has higher expected damage per building than 88% of U.S. towns: D for hazard risk, #266 of 847 in California. Most of the expected damage is river and rain flooding (80%) and earthquakes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Thermalito flood?
Flood insurance has paid 2 claims in Thermalito since 1995, $21K in all, or 0.8 per 1,000 homes, fewer than 83% of U.S. towns with a flood insurance record.
Is Thermalito 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 Butte County, 22% of homes in mapped flood zones carry federal flood insurance, and 1.9% of all homes do.
How much is flood insurance in Thermalito?
FEMA’s Community Rating System list shows no discount for Thermalito’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Thermalito at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Thermalito’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Thermalito.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Thermalito’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.