On FEMA’s figures, few U.S. towns expect more hazard damage per building than Whitewater, led by wildfire
On FEMA’s National Risk Index, Whitewater gets a D− for hazard risk: among the highest expected damage per building of U.S. towns. Most of that expected damage is wildfire (38%), then river and rain flooding (32%). 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 Whitewater 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
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 Whitewater’s grade
Wildfire is 38% of the building damage FEMA expects in Whitewater, and Whitewater’s rate of wildfire damage is in the top 1% of U.S. census tracts. River and rain flooding adds 32%, at a rate in the top 5% of U.S. census tracts.
D− among the highest expected damage per building of U.S. towns (21,298).
All of Whitewater’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.1M a year in losses across Whitewater: $836K to buildings, the rest to people and crops.
Does Whitewater flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Whitewater. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Whitewater isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Riverside County.The storms Whitewater remembers
None of the 33 disasters declared for Riverside County shows FEMA aid or repair money reaching Whitewater itself in FEMA’s records, so these are its biggest flood-claim years.
Riverside County has had 33 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 30 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Riverside County, 2003–2026.
Whitewater and its neighbors
Whitewater 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 |
|---|---|---|---|
| Palm Springs | D−more damage than 96% | river and rain flooding | 129 |
| Whitewater | D−among the highest damage | wildfire | 0 |
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 Whitewater 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.
- 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 Whitewater
Is Whitewater at risk for natural disasters?
On FEMA’s National Risk Index, Whitewater has among the highest expected damage per building of U.S. towns: D− for hazard risk. Most of the expected damage is wildfire (38%) and river and rain flooding (32%). 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 Whitewater 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 Riverside County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Whitewater?
FEMA’s Community Rating System list shows no discount for Whitewater’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Whitewater at risk from wildfire?
It is the largest share of the building damage FEMA expects here (38%), and Whitewater’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Whitewater.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Whitewater’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.