California natural hazard risk by county

California has about $30.19 billion in modeled expected annual loss across 58 counties. The state accounts for 19.6% of the national modeled loss total. Its total ranks #1 among 56 state-level entries by modeled loss. FEMA published these 58 county estimates in its December 2025 National Risk Index. The modeled $30.19 billion annual average does not predict loss in any one year.

Modeled expected annual loss

$30.19 billion / year

Share of US loss

19.6%

State loss rank

#1 of 56

Largest modeled-loss hazard

Earthquake

Reading the California county map

The map groups 58 county estimates into five within-state loss classes. Each boundary follows the county geography, while the fill represents modeled dollars per year. The class breaks are calculated from California county values, so a matching shade on another state page need not represent the same amount. Grey marks unmatched geography or an unavailable estimate. Outlined counties link to the detailed profiles available in this release; counties without profiles still contribute to the state totals.

Together, the three largest estimates account for 39.6% of California modeled annual loss. Their combined population represents 37.0% of the state source population. Comparing these two shares helps distinguish the concentration of modeled dollars from the concentration of residents. Neither share identifies the exposure of an individual address, and the map does not show the location of damage within a county.

County totals beside population

Los Angeles County, CA combines about $7.60 billion in modeled annual loss with 10,005,712 recorded residents. Dividing those figures gives about $760 per resident, compared with $764 statewide. On this population-adjusted measure, the county places #40 among the 58 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Riverside County, CA combines about $2.27 billion in modeled annual loss with 2,416,838 recorded residents. Dividing those figures gives about $937 per resident, compared with $764 statewide. On this population-adjusted measure, the county places #31 among the 58 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

San Bernardino County, CA combines about $2.08 billion in modeled annual loss with 2,179,979 recorded residents. Dividing those figures gives about $952 per resident, compared with $764 statewide. On this population-adjusted measure, the county places #30 among the 58 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Where the leading hazards are concentrated

For earthquakes, Los Angeles County, CA contributes 30.7% of the state hazard total. The next county, Alameda County, CA, contributes about $1.35 billion annually, compared with $4.57 billion for the leader. Across California, 58 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $8.94 billion after those two leading estimates. The state places #1 of 56 state-level entries for this hazard. Its share of the state loss mix is 49.2%. These comparisons describe modeled losses rather than future events.

For riverine flooding, Los Angeles County, CA contributes 24.1% of the state hazard total. The next county, Riverside County, CA, contributes about $1.13 billion annually, compared with $2.81 billion for the leader. Across California, 58 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $7.73 billion after those two leading estimates. The state places #1 of 56 state-level entries for this hazard. Its share of the state loss mix is 38.6%. These comparisons describe modeled losses rather than future events.

For wildfires, San Diego County, CA contributes 24.1% of the state hazard total. The next county, Riverside County, CA, contributes about $346.6 million annually, compared with $430.2 million for the leader. Across California, 58 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $1.01 billion after those two leading estimates. The state places #1 of 56 state-level entries for this hazard. Its share of the state loss mix is 5.9%. These comparisons describe modeled losses rather than future events.

For drought, Fresno County, CA contributes 22.3% of the state hazard total. The next county, San Joaquin County, CA, contributes about $83.3 million annually, compared with $222.9 million for the leader. Across California, 55 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $695.4 million after those two leading estimates. The state places #1 of 56 state-level entries for this hazard. Its share of the state loss mix is 3.3%. These comparisons describe modeled losses rather than future events.

For heat waves, Kern County, CA contributes 11.2% of the state hazard total. The next county, Los Angeles County, CA, contributes about $36.8 million annually, compared with $42.5 million for the leader. Across California, 58 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $299.0 million after those two leading estimates. The state places #4 of 56 state-level entries for this hazard. Its share of the state loss mix is 1.3%. These comparisons describe modeled losses rather than future events.

For tsunamis, Del Norte County, CA contributes 59.4% of the state hazard total. The next county, Humboldt County, CA, contributes about $33.4 million annually, compared with $114.2 million for the leader. Across California, 20 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $44.7 million after those two leading estimates. The state places #4 of 56 state-level entries for this hazard. Its share of the state loss mix is 0.6%. These comparisons describe modeled losses rather than future events.

California hazard totals and county comparisons

California hazard totals combine the county estimates. The largest county column identifies concentration within each hazard; the state rank compares the same hazard across state-level entries.

California county loss totals

California population, values and ratings

Population

39,501,350

Building value

$7,743.81 billion

Agricultural value

$58.14 billion

Modeled loss per resident

$764

California county pages

California has 3 detailed county pages linked below.

• Los Angeles County, CA: county detail
• Sacramento County, CA: county detail
• San Diego County, CA: county detail

US county comparisons alongside California