Property Atlas

County hazard profile

Sacramento, CA

California · pop. 1,584,652 · FIPS 06067

Relatively High
FEMA risk rating · RATING
Drought
dominant hazard
$352M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Sacramento $352M

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 High 98.12/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 37.44/100
national median ~50 lower than most counties (37th percentile)
Community resilienceRelatively Moderate 57/100
national median ~50 near the national middle (57th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Sacramento

The National Flood Insurance Program has paid 3,863 flood-insurance claims totaling $38.7M in Sacramento since 1978. The costliest year was 1995 ($11.5M paid).

Flood-insurance dollars paid by year of loss

1978: $27,589 paid 1979: $1,038 paid 1980: $108,120 paid 1981: $6,498 paid 1982: $135,003 paid 1983: $199,497 paid 1984: $3,320 paid 1985: $0 paid 1986: $4,430,391 paid 1987: $0 paid 1988: $1,890 paid 1989: $423 paid 1990: $7,246 paid 1991: $15,384 paid 1992: $127,051 paid 1993: $113,953 paid 1994: $224,772 paid 1995: $11,454,156 paid 1996: $548,328 paid 1997: $7,885,024 paid 1998: $699,160 paid 1999: $10,334 paid 2000: $175,490 paid 2001: $7,737 paid 2002: $10,274 paid 2003: $5,465 paid 2004: $1,292,641 paid 2005: $1,927,760 paid 2006: $2,478,206 paid 2007: $0 paid 2008: $16,641 paid 2009: $7,022 paid 2010: $10,340 paid 2011: $68,291 paid 2012: $307,574 paid 2013: $12,531 paid 2014: $25,396 paid 2015: $0 paid 2016: $51,694 paid 2017: $2,558,018 paid 2018: $169,699 paid 2019: $35,645 paid 2020: $3,901 paid 2021: $447,541 paid 2022: $681,421 paid 2023: $1,969,337 paid 2024: $39,134 paid 2025: $16,070 paid 2026: $406,786 paid 1995 · $11.5M 1978 2026
$38.7M
total paid
$10,024
average claim
$320K
largest single claim
75%
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 Sacramento, CA and where it ranks among U.S. counties. It is not a verdict on whether Sacramento 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.