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–Not graded
Natural hazards in Tracy · FEMA

Storms, floods and disasters in Tracy

Tracy isn’t graded for hazard risk: Tracy has 309 residents; we grade towns of 1,000 or more. Flood insurance has paid 6 claims here since 1982.

Flood claims
6
paid since 1982 · $40K
Disasters paid out here
1
of 21 declared for Platte County
By hazard

What Tracy 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

76%of expected building damage
Above average · higher than 74% of U.S. census tracts
Recorded about 3 times a year in the area

Tornadoes

12%of expected building damage
Well above average · in the top 8% of U.S. census tracts

Hail

7%of expected building damage
Well above average · in the top 10% of U.S. census tracts
Recorded about 9 times a year in the area
Smaller shares here
 Strong wind Earthquakes Ice storms Wildfire Winter storms Landslides Lightning Cold waves Heat waves top 4%
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 12% of Tracy’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Tracy flood? Rarely: 6 flood claims since 1982

Every paid claim on a federal flood insurance policy in Tracy, from FEMA’s records.

Paid flood claims, by year
1982: 2 claims1983: 0 claims1984: 1 claim1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 3 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198219841993
19822026
Biggest named events
  • The Midwest Flooding3 claims · $28K
6
paid claims since 1982
$40K
paid to owners
0
homes flooded more than once
$7K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Tracy isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Platte County.
What’s been done with FEMA grants
17flood-prone properties bought out and cleared
Disasters

1 federal disaster brought FEMA money to Tracy

Disasters that paid out in Tracy itself (aid to households or repair grants to the City of Tracy), newest first, with that year’s flood claims.

  1. 2007Severe Storms and Flooding$5K to the City of Tracy for repairs
Disasters declared, by decade
Paid out in TracyPlatte County only

Platte County has had 21 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.

Were you here?

Old photos of Tracy after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Tracy archive →
Be ready

Get ready for what Tracy faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Tracy

Does Tracy flood?

Flood insurance has paid 6 claims in Tracy since 1982, $40K in all. The most claims came from Midwest Flooding (3).

Is Tracy 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 Platte County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Tracy?

FEMA’s Community Rating System list shows no discount for Tracy’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 Tracy?

By FEMA money that reached Tracy, Severe Storms and Flooding (2007): $5K to the City of Tracy for repairs. By flood claims, Midwest Flooding: 3 paid, $28K.

Storm stories

Memories, warnings and help from neighbors in Tracy.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tracy’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.