Photo: Thurifer · CC BY-SA 4.0FEMA puts Torrance’s expected hazard damage per building above that of 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Torrance gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns, #522 of 847 in California. Most of that expected damage is river and rain flooding (52%), then earthquakes (48%). Flood insurance has paid 4 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 Torrance 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 Torrance’s grade
River and rain flooding is 52% of the building damage FEMA expects in Torrance, and Torrance’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts. Earthquakes add 48%, at a rate in the top 6% of U.S. census tracts.
D #522 of 847 in California; higher expected damage per building than 94% of U.S. towns (21,298).
Torrance’s residents live in 34 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, Torrance has more expected damage per building than 62% of California towns.
Among the 400 U.S. cities of 100,000 or more, Torrance has higher expected damage per building than 90% (#362 of 400). Because it is so big, its total expected yearly loss, $120M, is the 89th largest of those 400.
Does Torrance flood? Rarely: 4 flood claims since 1995
Every paid claim on a federal flood insurance policy in Torrance, from FEMA’s records: 0.1 per 1,000 homes, fewer than 100% of the 13,809 U.S. towns with a flood insurance record.
- The Pineapple Express - Southern1 claim · $1K
Torrance isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Los Angeles County.5 federal disasters brought FEMA money to Torrance
Disasters that paid out in Torrance itself (aid to households or repair grants to the City of Torrance), newest first, with that year’s flood claims.
- 2025Wildfires and Straight-line Winds361 households applied for aid$173K aid approved
- 2024Severe Winter Storms, Tornadoes, Flooding, Landslides, and Mudslides$269K to the City of Torrance for repairs
- 2017Severe Winter Storms, Flooding, and Mudslides$518K to the City of Torrance for repairs
- 2004Severe Storms, Flooding, Debris Flows, and Mudslides72 households applied for aid$25K aid approved
- 2003Wildfires, Flooding, Mudflow and Debris Flow Directly Related T83 households applied for aid$50K aid approved
Los Angeles County has had 40 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 44 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Los Angeles County, 2002–2025.
Old photos of Torrance after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Torrance archive →Torrance and its neighbors
Torrance is 5th of the 8 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 |
|---|---|---|---|
| Rolling Hills Estates | C−more damage than 81% | earthquakes | 2 |
| Palos Verdes Estates | C−more damage than 84% | earthquakes | 10 |
| Lomita | Dmore damage than 93% | earthquakes | 3 |
| Redondo Beach | Dmore damage than 94% | river and rain flooding | 26 |
| Torrance | Dmore damage than 94% | river and rain flooding | 4 |
| Los Angeles | D−more damage than 96% | earthquakes | 1,980 |
| Lawndale | D−more damage than 98% | river and rain flooding | 1 |
| Gardena | D−more damage than 98% | 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 Torrance 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 Torrance
Is Torrance at risk for natural disasters?
On FEMA’s National Risk Index, Torrance has higher expected damage per building than 94% of U.S. towns: D for hazard risk, #522 of 847 in California. Most of the expected damage is river and rain flooding (52%) and earthquakes (48%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Torrance flood?
Flood insurance has paid 4 claims in Torrance since 1995, $10K in all, or 0.1 per 1,000 homes, fewer than 100% of U.S. towns with a flood insurance record. The most claims came from Pineapple Express - Southern (1).
Is Torrance 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 Los Angeles County, 33% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Torrance?
FEMA’s Community Rating System list shows no discount for Torrance’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 Torrance?
By FEMA money that reached Torrance, Severe Winter Storms, Flooding, and Mudslides (2017): $518K to the City of Torrance for repairs. By flood claims, Pineapple Express - Southern: 1 paid, $1K.
Is Torrance at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (52%), and Torrance’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Torrance.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Torrance’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.