Storms, floods and disasters in Tobin
Tobin isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Tobin yet.
What Tobin 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
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.
Does Tobin flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Tobin. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Tobin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Plumas County.1 federal disaster brought FEMA money to Tobin
Disasters that paid out in Tobin itself (aid to households or repair grants to Tobin), newest first, with that year’s flood claims.
- 2021Wildfires2 households applied for aid$2K aid approved
Plumas County has had 18 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Plumas County, 2020–2021.
Old photos of Tobin after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tobin archive →Get ready for what Tobin 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.
- 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 Tobin
Is Tobin 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 Plumas County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Tobin?
FEMA’s Community Rating System list shows no discount for Tobin’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 Tobin?
By FEMA money that reached Tobin, Wildfires (2021): 2 households applied for aid, $2K approved.
Storm stories
Memories, warnings and help from neighbors in Tobin.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tobin’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.