Property Atlas

County hazard profile

Calaveras, CA

California · pop. 45,237 · FIPS 06009

Relatively Moderate
FEMA risk rating · RATING
Wildfire
dominant hazard
$53M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Calaveras $53M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 86.61/100
national median ~50 higher than 87% of counties
Social vulnerabilityRelatively Moderate 57.92/100
national median ~50 near the national middle (58th percentile)
Community resilienceRelatively Low 39.47/100
national median ~50 lower than most counties (39th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Calaveras

The National Flood Insurance Program has paid 74 flood-insurance claims totaling $2.3M in Calaveras since 1982. The costliest year was 2022 ($708K paid).

Flood-insurance dollars paid by year of loss

1982: $349 paid 1986: $44,016 paid 1995: $27,561 paid 1996: $13,965 paid 1997: $5,042 paid 1998: $8,250 paid 1999: $8,211 paid 2006: $699,805 paid 2012: $0 paid 2015: $19,344 paid 2016: $244,106 paid 2017: $31,995 paid 2018: $35,744 paid 2019: $48,236 paid 2022: $708,198 paid 2023: $358,569 paid 2024: $0 paid 2022 · $708K 1982 2024
$2.3M
total paid
$30,451
average claim
$276K
largest single claim
61%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Calaveras, CA and where it ranks among U.S. counties. It is not a verdict on whether Calaveras is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.