Photo: Basincreek · CC BY-SA 3.0On FEMA’s figures, Tuolumne City faces more hazard damage per building than 93% of U.S. towns, mostly from wildfire
On FEMA’s National Risk Index, Tuolumne City gets a D for hazard risk: higher expected damage per building than 93% of U.S. towns. Most of that expected damage is wildfire (63%), then river and rain flooding (35%). 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 Tuolumne City faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
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 Tuolumne City’s grade
Wildfire is 63% of the building damage FEMA expects in Tuolumne City, and Tuolumne City’s rate of wildfire damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 35% (higher than 73% of U.S. census tracts).
D higher expected damage per building than 93% of U.S. towns (21,298).
All of Tuolumne City’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.2M a year in losses across Tuolumne City: $1.1M to buildings, the rest to people and crops.
Does Tuolumne City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Tuolumne City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Tuolumne City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tuolumne County.The storms Tuolumne City remembers
None of the 16 disasters declared for Tuolumne County shows FEMA aid or repair money reaching Tuolumne City itself in FEMA’s records, so these are its biggest flood-claim years.
Tuolumne County has had 16 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 Tuolumne County, 2013–2026.
Tuolumne City and its neighbors
Tuolumne City has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Tuolumne City | Dmore damage than 93% | wildfire | 0 |
| Soulsbyville | Dmore damage than 94% | wildfire | — |
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 Tuolumne City faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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 Tuolumne City
Is Tuolumne City at risk for natural disasters?
On FEMA’s National Risk Index, Tuolumne City has higher expected damage per building than 93% of U.S. towns: D for hazard risk. Most of the expected damage is wildfire (63%) and river and rain flooding (35%). 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 Tuolumne City 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 Tuolumne County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Tuolumne City?
FEMA’s Community Rating System list shows no discount for Tuolumne City’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Tuolumne City at risk from wildfire?
It is the largest share of the building damage FEMA expects here (63%), and Tuolumne City’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tuolumne City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tuolumne City’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.