Property Atlas

County hazard profile

San Joaquin, CA

California · pop. 778,512 · FIPS 06077

Relatively High
FEMA risk rating · RATING
Drought
dominant hazard
$422M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr San Joaquin $422M

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 98.6/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 39.66/100
national median ~50 near the national middle (40th percentile)
Community resilienceRelatively Moderate 47.01/100
national median ~50 near the national middle (47th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in San Joaquin

The National Flood Insurance Program has paid 421 flood-insurance claims totaling $8.2M in San Joaquin since 1978. The costliest year was 1997 ($2.6M paid).

Flood-insurance dollars paid by year of loss

1978: $837 paid 1980: $6,055 paid 1982: $4,074 paid 1983: $210,205 paid 1984: $5,868 paid 1986: $534,490 paid 1988: $0 paid 1989: $0 paid 1991: $30,337 paid 1992: $4,114 paid 1993: $4,692 paid 1994: $0 paid 1995: $62,781 paid 1996: $747,905 paid 1997: $2,637,258 paid 1998: $334,654 paid 1999: $0 paid 2000: $8,745 paid 2002: $747 paid 2003: $69,071 paid 2004: $577,386 paid 2005: $26,900 paid 2006: $37,586 paid 2007: $7,665 paid 2008: $3,982 paid 2010: $1,760 paid 2011: $0 paid 2012: $41,586 paid 2014: $730 paid 2016: $27,858 paid 2017: $209,640 paid 2019: $103,765 paid 2021: $1,118 paid 2022: $926,230 paid 2023: $1,527,297 paid 2024: $0 paid 2025: $0 paid 2026: $4,142 paid 1997 · $2.6M 1978 2026
$8.2M
total paid
$19,381
average claim
$500K
largest single claim
47%
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 San Joaquin, CA and where it ranks among U.S. counties. It is not a verdict on whether San Joaquin 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.