On FEMA’s figures, few U.S. towns expect more hazard damage per building than Wildomar, led by river and rain flooding
On FEMA’s National Risk Index, Wildomar gets a D− for hazard risk: among the highest expected damage per building of U.S. towns, #757 of 847 in California. Most of that expected damage is river and rain flooding (45%), then wildfire (39%). Flood insurance has paid 1 claim here since 1980.
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 Wildomar 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
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 Wildomar’s grade
River and rain flooding is 45% of the building damage FEMA expects in Wildomar, and Wildomar’s rate of river and rain flooding damage is in the top 4% of U.S. census tracts. Wildfire adds 39%, at a rate in the top 1% of U.S. census tracts.
D− #757 of 847 in California; among the highest expected damage per building of U.S. towns (21,298).
Wildomar’s residents live in 15 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, Wildomar has more expected damage per building than 89% of California towns.
In dollars, FEMA expects about $32.5M a year in losses across Wildomar: $30.2M to buildings, the rest to people and crops.
Does Wildomar flood? Rarely: 1 flood claim since 1980
Every paid claim on a federal flood insurance policy in Wildomar, from FEMA’s records: 0.1 per 1,000 homes, fewer than 99% of the 13,809 U.S. towns with a flood insurance record.
Wildomar 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.5 federal disasters brought FEMA money to Wildomar
Disasters that paid out in Wildomar itself (aid to households or repair grants to the City of Wildomar), newest first, with that year’s flood claims.
- 2019Severe Winter Storms, Flooding, Landslides, and Mudslides$25K to the City of Wildomar for repairs
- 2017Severe Winter Storms, Flooding, and Mudslides$64K to the City of Wildomar for repairs
- 2010Severe Winter Storms, Flooding, and Debris and Mud Flows$15K to the City of Wildomar for repairs
- 2010Severe Winter Storms, Flooding, and Debris and Mud Flows$61K to the City of Wildomar for repairs
- 2004Severe Storms, Flooding, Debris Flows, and Mudslides10 households applied for aid$8K aid approved
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.
Old photos of Wildomar after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wildomar archive →Wildomar and its neighbors
Wildomar is 4th of the 5 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 |
|---|---|---|---|
| Murrieta | Dmore damage than 91% | river and rain flooding | 8 |
| Menifee | D−more damage than 98% | river and rain flooding | 4 |
| Lake Elsinore | D−among the highest damage | river and rain flooding | 208 |
| Wildomar | D−among the highest damage | river and rain flooding | 1 |
| Lakeland Village | D−among the highest damage | river and rain flooding | 64 |
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 Wildomar 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.
- 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 Wildomar
Is Wildomar at risk for natural disasters?
On FEMA’s National Risk Index, Wildomar has among the highest expected damage per building of U.S. towns: D− for hazard risk, #757 of 847 in California. Most of the expected damage is river and rain flooding (45%) and wildfire (39%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Wildomar flood?
Flood insurance has paid 1 claim in Wildomar since 1980, $2K in all, or 0.1 per 1,000 homes, fewer than 99% of U.S. towns with a flood insurance record.
Is Wildomar 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 Wildomar?
FEMA’s Community Rating System list shows no discount for Wildomar’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 Wildomar?
By FEMA money that reached Wildomar, Severe Winter Storms, Flooding, and Mudslides (2017): $64K to the City of Wildomar for repairs.
Is Wildomar at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (45%), and Wildomar’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wildomar.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wildomar’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.