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San Diego County, CA flood risk and hazards

FEMA rates riverine flooding and wildfire risk as Very High in San Diego County, CA. Modeled losses from natural hazards (expected annual loss) average about $1.5 billion a year, for a population of 3,295,981. These county figures come from the FEMA National Risk Index, December 2025 release. Observation windows vary by metric and sit beside the tables below.

Modeled expected annual loss
$1.54 billion / year
US loss rank
#11 of 3,232
State loss rank
#7 of 58
Loss per resident
$467 · state $764 · US $459
FEMA overall risk rating
Very High

California county modeled loss

San Benito County, CA: 5.20% of San Diego lossShasta County, CA: 8.80% of San Diego lossSierra County, CA: 0.55% of San Diego lossFresno County, CA: 36.21% of San Diego lossAmador County, CA: 2.52% of San Diego lossEl Dorado County, CA: 8.07% of San Diego lossMonterey County, CA: 26.14% of San Diego lossSan Bernardino County, CA: 134.82% of San Diego lossTehama County, CA: 4.48% of San Diego lossNevada County, CA: 5.24% of San Diego lossTuolumne County, CA: 3.28% of San Diego lossSanta Barbara County, CA: 31.01% of San Diego lossTrinity County, CA: 1.89% of San Diego lossStanislaus County, CA: 17.21% of San Diego lossColusa County, CA: 2.64% of San Diego lossAlpine County, CA: 0.31% of San Diego lossSiskiyou County, CA: 3.70% of San Diego lossDel Norte County, CA: 9.25% of San Diego lossInyo County, CA: 1.84% of San Diego lossSan Joaquin County, CA: 27.41% of San Diego lossImperial County, CA: 9.59% of San Diego lossCalaveras County, CA: 3.47% of San Diego lossButte County, CA: 8.26% of San Diego lossMadera County, CA: 10.50% of San Diego lossVentura County, CA: 49.52% of San Diego lossOrange County, CA: 125.16% of San Diego lossKern County, CA: 27.09% of San Diego lossContra Costa County, CA: 63.06% of San Diego lossKings County, CA: 6.24% of San Diego lossMendocino County, CA: 7.58% of San Diego lossSonoma County, CA: 39.29% of San Diego lossYuba County, CA: 3.01% of San Diego lossMerced County, CA: 13.30% of San Diego lossTulare County, CA: 13.91% of San Diego lossSacramento County, CA: 22.89% of San Diego lossSolano County, CA: 18.98% of San Diego lossSan Francisco County, CA: 55.45% of San Diego lossMariposa County, CA: 2.48% of San Diego lossMarin County, CA: 16.85% of San Diego lossSutter County, CA: 2.91% of San Diego lossLassen County, CA: 1.65% of San Diego lossRiverside County, CA: 147.20% of San Diego lossPlumas County, CA: 2.67% of San Diego lossSanta Clara County, CA: 127.68% of San Diego lossPlacer County, CA: 10.56% of San Diego lossSan Luis Obispo County, CA: 13.90% of San Diego lossSan Mateo County, CA: 48.08% of San Diego lossMono County, CA: 1.08% of San Diego lossSan Diego County, CA: $1.54 billionNapa County, CA: 12.09% of San Diego lossAlameda County, CA: 122.46% of San Diego lossYolo County, CA: 7.55% of San Diego lossLake County, CA: 6.56% of San Diego lossLos Angeles County, CA: 493.89% of San Diego lossGlenn County, CA: 2.66% of San Diego lossSanta Cruz County, CA: 21.79% of San Diego lossHumboldt County, CA: 12.26% of San Diego lossModoc County, CA: 0.64% of San Diego lossSan Diego County, CA: detailed page available
  • Positive estimates to $41.1 million
  • Above $41.1 million to $116.7 million
  • Above $116.7 million to $213.9 million
  • Above $213.9 million to $604.7 million
  • Above $604.7 million to $7.60 billion
  • No FEMA estimate

San Diego County, CA ranks #7 of 58 in the state for modeled expected annual loss; the outline locates it.

View chart data

Is San Diego County at risk of flooding?

FEMA labels riverine flooding Very High and coastal flooding Relatively Moderate. Modeled annual riverine flood loss is $647,607,110; coastal flood loss is $1,466,661. These are separate hazards and county totals. A rating describes relative county risk. It does not locate water at a building or establish a flood zone. Read missing statuses using the source documentation. Keep both source labels when comparing counties. Read the county rating versus flood-zone guide before requesting a location check.

Look up an address and its flood zone through FEMA’s Flood Map Service Center.

The local hazard planning document is San Diego County Multi-Jurisdictional Hazard Mitigation Plan. Local governments use this plan to set out hazards and proposed projects.

What natural hazards affect San Diego County most?

Show tabular data
CountyModeled expected annual loss (USD/year)Overall risk rating
San Diego County, CA1,539,181,273.08Very High
Fixed snapshot: FEMA National Risk Index (December 2025 release). Each metric retains its label, unit and observation window; source release and observation periods are documented separately.
Show tabular data
Hazard ratings · original FEMA source labels
HazardSource labelObservation window
Coastal floodingRelatively Moderate1996-2023
Riverine floodingVery High1996-2023
HurricaneVery Low1851-2024
WildfireVery High1996-2023
EarthquakeRelatively High1996-2023
TornadoRelatively Low1950-2023
Heat waveRelatively High2005-2024
HISTORICAL CLIMATE / REGIONAL CONTEXT

How have heat and rain changed in San Diego County?

Hot days

Days / year1991–200025.31991–2000: 25.30 Days / year2016–202534.72016–2025: 34.70 Days / year034.7

Hot days increased between the two decades.

View chart data
PlaceDays / year
1991–200025.30
2016–202534.70

Warm nights

Days / year1991–20000.61991–2000: 0.60 Days / year2016–20252.72016–2025: 2.70 Days / year05.0

Warm nights increased between the two decades.

View chart data
PlaceDays / year
1991–20000.60
2016–20252.70

Heavy-precipitation days

Days / year1991–20000.61991–2000: 0.60 Days / year2016–20250.42016–2025: 0.40 Days / year05.0

Heavy-precipitation days decreased between the two decades.

View chart data
PlaceDays / year
1991–20000.60
2016–20250.40

Humid-heat days

Days / year1991–20000.00 days per year1991–2000: 0.00 Days / year2016–20250.32016–2025: 0.30 Days / year05.0

Humid-heat days increased between the two decades.

View chart data
PlaceDays / year
1991–20000.00
2016–20250.30
NASA satellite-and-model climate data are sampled near the US Census Bureau’s 2020 county center of population. This is regional context, not a county average or a property finding.
San Diego County · FIPS 06073 · annual decade means · NASA; humid heat: Copernicus (ECMWF)
Measure1991–20002016–2025Change
Hot days · ≥35°C (95°F)25.334.7+9.4
Humid-heat days · heat index ≥103°F (39.4°C)0.00.3+0.3
Warm nights · ≥24°C (75.2°F)0.62.7+2.1
Heavy-rain days · ≥50 mm (≈2 in)0.60.4−0.2
Annual maximum daily precipitation · mm39.446.7+7.3

Counts are days per year; a grid-cell zero does not mean the county had no such events. Thresholds, time bases and limits: county climate method.

Methodology & sensor cross-check notes

Hot-day cross-check: NOAA’s county-average daily maximum temperature gives 15.7 → 25.5 hot days a year (+9.8); NASA gives 25.3 → 34.7 (+9.4). Both series show an increase, with different counts and change sizes. The footprints differ, so agreement does not validate either count. Warm nights and precipitation were not cross-checked. Humid-heat row: Copernicus (ECMWF) reanalysis. It uses a different regional grid from the NASA measures.

No statistical significance, cause or future trend is established; this does not change the FEMA ratings above.

Climate data: NASA · Population context: US Census Bureau · Hot-day cross-check: NOAA county climate records · Humid heat: Copernicus (ECMWF). Method, sources and limitations · Climate JSON · Data credits.

EL NIÑO HISTORY / WINTER PRECIPITATION AND TEMPERATURE

How does El Niño affect San Diego County winters?

Strong El Niño winter precipitation

1957–581957–58: 89.4% of normal precipitation1965–661965–66: 97.9% of normal precipitation1972–731972–73: 96.3% of normal precipitation1982–831982–83: 138.4% of normal precipitation1991–921991–92: 117.2% of normal precipitation1997–981997–98: 190.9% of normal precipitation2009–102009–10: 168.5% of normal precipitation2015–162015–16: 79.2% of normal precipitation2023–242023–24: 127.0% of normal precipitation100% (Normal)0%200%

5 of 9 strong El Niño winters were wetter than normal. The vertical line marks 100% of normal precipitation.

View chart data
WinterPrecipitation (% of normal)
1957–5889.359
1965–6697.904
1972–7396.335
1982–83138.438
1991–92117.161
1997–98190.915
2009–10168.547
2015–1679.208
2023–24127.015

NOAA and IRI both give 100% odds that El Niño conditions (tropical Pacific ONI of at least 0.5°C, not a local weather forecast) are present this winter. In San Diego County, 5 of 9 past strong El Niño winters were wetter than normal; the median winter had 117% of normal precipitation (rain and melted snow). The driest, 2015–16, had 79%.

San Diego County · Dec–Feb, strong El Niño winters · ONI peak °C · precipitation % of normal · temperature vs county trend · days with 1 inch or more of precipitation · flood claims filed (rank among 47 winters)
WinterONIPrecipitationTemp.Heavy daysClaims
1957–581.789%+2.3°F1—
1965–661.698%−2.1°F1—
1972–731.896%−2.3°F0—
1982–832.1138%+0.2°F381 (#10)
1991–921.5117%+0.6°F315 (#16)
1997–982.4191%−1.5°F5194 (#3)
2009–101.5169%−0.7°F480 (#11)
2015–162.679%+1.2°F282 (#9)
2023–242.0127%−0.2°F2205 (#2)
Winter normals and temperature baseline

San Diego County normals, 1990–91 to 2019–20 winters: 7.6 inches of precipitation (rain and melted snow) and 2.0 heavy days. Temperature is set against the county’s own winter trend of +0.4°F per decade since 1951–52.

Flood claims: December–February, from 1978 (— = before the data). The rank compares each winter with all 47 winters from 1978–79 to 2024–25 (#1 is the most claims; no rank is shown for 0 claims). The median winter had 6 claims; 6 of 6 strong winters in the data were above it. Insured exposure grew over time, so counts are not comparable across decades.

Past tendency is not a forecast and not a property-level finding. Before winter: four checks for property teams.

Sources: NOAA county climate records and Pacific climate assessments; FEMA National Flood Insurance Program claims. Method and limits · El Niño 2026–27.

What are the modeled losses by hazard?

From 1991–2000 to 2016–2025, hot days near San Diego County changed from 25.3 to 34.7 per year. Heavy-rain days changed from 0.6 to 0.4. The table retains humid heat, warm nights and maximum daily rain. Compare the periods alongside the source notes. These decade means describe past conditions; they do not predict a future year or establish a trend.

San Diego County’s modeled loss across all hazards is $1,539,181,273 per year. The FEMA National Risk Index ranks the hazards below by modeled loss, not rating category.

Show tabular data
Modeled Expected Annual Loss, ranked by total loss · county totals
HazardTotal loss ($/yr)Of which buildings ($/yr)Observation window
All hazards (composite)$1,539,181,273$1,392,107,8831996-2023
Riverine flooding$647,607,110$641,850,6731996-2023
Wildfire$430,155,987$415,265,2851996-2023
Earthquake$426,140,115$327,511,6851996-2023
Heat wave$24,150,816Not published2005-2024
Tornado$2,272,851$1,975,3421950-2023
Coastal flooding$1,466,661$1,466,1901996-2023
Hurricane$1,416$7671851-2024

These modeled county totals do not estimate property losses, insurance inputs or forecasts. Do not multiply them by location counts.

Reuse this chart

Chart of San Diego County, CA modeled yearly loss by hazard: riverine flooding leads at $647.6M a year. Shows FEMA expected annual loss in dollars for 7 hazards.
Source: FEMA National Risk Index, December 2025 release. Modeled expected annual loss. Reuse this chart (CC BY 4.0).

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What is exposed in San Diego County?

Population and asset values show the scale behind county losses. These county totals are exposure measures, not loss figures.

Show tabular data
Population and asset values · county totals
MeasureValueObservation window
Resident population3,295,9812020-2020
Building replacement value$638,825,464,2342020-2020
Agricultural market value$1,070,494,2242022-2022

What do vulnerability and resilience show?

These relative rankings describe susceptibility to hazard impacts and capacity to recover. They measure no individual asset or outcome.

Show tabular data
Community vulnerability and resilience · index scores 0–100
MeasureScoreObservation window
Social vulnerability index24.82020-2020
Community resilience index8.32020-2020

San Diego County in the state and national rankings

At about $1.54 billion, modeled expected annual loss in San Diego County ranks #11 of 3,232 across the US. Its share of California modeled loss is 5.1%, with a state rank of #7 of 58. The modeled $1.54 billion annual average does not predict the loss in any single year. The next higher national total is about $1.68 billion, in King County, WA. Dallas County, TX ranks immediately below it, with about $973.2 million in modeled annual loss. Within the state list, Alameda County, CA has the next higher estimate: about $1.88 billion. Its 6.2% state loss share accompanies an estimate about $345.6 million away from this county’s total. At about $970.5 million, Contra Costa County, CA is one place lower in the state loss ordering. Its 3.2% state loss share accompanies an estimate about $568.6 million away from this county’s total.

California county comparisons

County hazard loss mix

Riverine Flood$647.6 million · 42.1%Riverine Flood: 647,607,109.77 USD/year; 42.1%Wildfire$430.2 million · 27.9%Wildfire: 430,155,987.14 USD/year; 27.9%Earthquake$426.1 million · 27.7%Earthquake: 426,140,115.27 USD/year; 27.7%Heat Wave$24.2 million · 1.6%Heat Wave: 24,150,816.21 USD/year; 1.6%Landslide$3.1 million · 0.2%Landslide: 3,091,244.80 USD/year; 0.2%Tornado$2.3 million · 0.1%Tornado: 2,272,851.26 USD/year; 0.1%Other$5.8 million · 0.4%Other: 5,763,148.64 USD/year; 0.4%0$647.6 million

Riverine Flood leads the modeled expected annual loss mix; bar lengths share a zero baseline.

View chart data
HazardUSD / yearShare
Riverine Flood647,607,109.7742.1%
Wildfire430,155,987.1427.9%
Earthquake426,140,115.2727.7%
Heat Wave24,150,816.211.6%
Landslide3,091,244.800.2%
Tornado2,272,851.260.1%
Other5,763,148.640.4%

National hazard loss ranks

Riverine Flood#9 of 3,232 US · #6 of 58 in CARiverine Flood: 99.75 percentileWildfire#1 of 3,144 US · #1 of 58 in CAWildfire: 100.00 percentileEarthquake#12 of 3,232 US · #10 of 58 in CAEarthquake: 99.66 percentileHeat Wave#35 of 3,202 US · #4 of 58 in CAHeat Wave: 98.94 percentileLandslide#45 of 3,222 US · #9 of 58 in CALandslide: 98.63 percentileTornado#960 of 3,225 US · #6 of 58 in CATornado: 70.26 percentile0100 percentile

Riverine Flood ranks #9 of 3,232 by modeled expected annual loss. Higher percentiles mean larger modeled losses.

View chart data
HazardRankPercentile
Riverine Flood#9 of 3,232 US · #6 of 58 in CA99.75
Wildfire#1 of 3,144 US · #1 of 58 in CA100.00
Earthquake#12 of 3,232 US · #10 of 58 in CA99.66
Heat Wave#35 of 3,202 US · #4 of 58 in CA98.94
Landslide#45 of 3,222 US · #9 of 58 in CA98.63
Tornado#960 of 3,225 US · #6 of 58 in CA70.26

Modeled loss per resident

USD / resident / yearSan Diego$467San Diego: 466.99 USD / resident / yearCalifornia$764California: 764.40 USD / resident / yearUS$459US: 459.35 USD / resident / year0$764

San Diego has about $467 in modeled expected annual loss per resident. State and US values divide total loss by total population.

View chart data
PlaceUSD / resident / year
San Diego466.99
California764.40
US459.35

San Diego County hazard estimates

Riverine Flood

For riverine flooding, about $647.6 million in expected annual loss puts the county #9 of 3,232 across the US. Its 42.1% share of total loss comes with a state loss rank of #6 of 58; FEMA assigns a Very High rating, matching 26 US counties, including 9 in California, for this hazard.

Wildfire

The largest US county estimate for wildfires belongs here: about $430.2 million, ranking #1 of 3,144. At 27.9% of the county’s modeled loss, the hazard places #1 of 58 statewide; FEMA assigns a Very High rating; the same rating for wildfires covers 4 California counties and 4 across the US.

Earthquake

With about $426.1 million in modeled expected annual loss from earthquakes, the county ranks #12 of 3,232 in the national comparison. In California, this estimate ranks #10 of 58 and represents 27.7% of the county’s modeled loss; FEMA assigns a Relatively High rating; the Relatively High label covers 20 state counties and 53 nationally for earthquakes.

Heat Wave

FEMA models about $24.2 million in expected annual loss from heat waves, placing the county #35 of 3,202 nationally. In California, this estimate ranks #4 of 58 and represents 1.6% of the county’s modeled loss; FEMA assigns a Relatively High rating; the same rating for heat waves covers 17 California counties and 98 across the US.

Landslide

The national loss rank for landslides is #45 of 3,222, based on about $3.1 million in modeled expected annual loss. This hazard makes up 0.2% of the total; FEMA assigns a Relatively High rating, and its loss ranks #9 of 58 in California, matching 65 US counties, including 27 in California, for this hazard.

Tornado

For tornadoes, about $2.3 million in expected annual loss puts the county #960 of 3,225 across the US. This hazard makes up 0.1% of the total; FEMA assigns a Relatively Low rating, and its loss ranks #6 of 58 in California; the Relatively Low label covers 14 state counties and 1,217 nationally for tornadoes.

For riverine flooding, modeled loss is about $217.5 million above wildfires, leaving 14.1 percentage points between their county shares. About $4.0 million separates wildfires from earthquakes in the local estimates, equivalent to 0.3 percentage points of county loss. For earthquakes, modeled loss is about $402.0 million above heat waves, leaving 26.1 percentage points between their county shares. About $21.1 million separates heat waves from landslides in the local estimates, equivalent to 1.4 percentage points of county loss. About $818,000 separates landslides from tornadoes in the local estimates, equivalent to 0.1 percentage points of county loss.

Population and recorded values

FEMA counts 3,295,981 residents in San Diego County, across about 4,571 square miles. For building value, the source records about $638.83 billion. About $1.07 billion is the agricultural value amount in FEMA’s record. Per resident, the modeled annual amount is about $467; the California average is about $764. The county holds 8.3% of the state population, compared with 5.1% of modeled loss. The county contains 8.2% of the building value recorded across California. Among 58 state county records with both inputs, its density stands at position 9 from highest to lowest. Those recorded totals give about 721 residents per square mile, versus about 239 across California. At 3,295,981 residents, the county compares with the California county median of about 186,448. In the US totals, the county represents 1.0% of modeled annual loss and 1.0% of recorded residents. Using the national population gives about $459 in modeled annual loss per person, versus about $467 here. The six hazards described above together make up 99.6% of modeled loss, about $1.53 billion annually. Other hazards account for the remaining 0.4% of modeled loss, about $5.8 million. In position 7 locally, tsunamis has about $1.6 million in modeled annual loss, ranking #11 of 20 statewide. This 0.1% slice of county loss ranks #54 of 119 across US counties. About $1.5 million places coastal flooding at number 8 in the local loss list and #9 of 21 within California. This 0.1% slice of county loss ranks #128 of 588 across US counties.

FEMA labels and risk score

San Diego County has a FEMA risk index score of about 99.7, ranking #10 of 3,144 nationally. FEMA labels risk index as Very High, matching 9 county records across California. The expected annual loss rating is Very High, a label shared by 7 of 58 California counties. The social vulnerability rating is Relatively Low, a label shared by 20 of 58 California counties. FEMA labels community resilience as Very Low, matching 12 county records across California. Its risk score ranks #7 of 58 within California, while its loss total ranks #7 of 58. Both ratings match in 3 counties statewide: vulnerability is Relatively Low, and resilience is Very Low. The group represents 19.0% of statewide loss; this county supplies 26.9% of the group’s modeled amount. With a score of about 99.7, Santa Clara County, CA ranks #6 of 58 statewide, immediately above this county. FEMA gives that county a Very High risk index label, alongside 6.5% of the state loss total. San Francisco County, CA is next below it by state risk score, at about 99.5; that record ranks #8 of 58. That comparison county holds a Very High risk index rating and 2.8% of California modeled annual loss. Nationally, 632 counties carry the same Relatively Low social vulnerability label, covering 30.0% of FEMA’s recorded population. FEMA lists 628 county records with Very Low community resilience; together they contain 18.6% of its US population total. The county’s Very High group contains 2 hazards: riverine flooding, wildfires. The county’s Relatively High group contains 3 hazards: earthquakes, heat waves, landslides. The county’s Relatively Moderate group contains 4 hazards: coastal flooding, hail, lightning, strong wind. Across the county’s hazard ratings, 4 carry Relatively Low: drought, tornadoes, tsunamis, winter weather. Across the county’s hazard ratings, 4 carry Very Low: avalanches, cold waves, hurricanes, volcanic activity.

What else should I know about San Diego County?

Which strong El Niño winter had the most flood claims in San Diego County?

San Diego County recorded 205 December–February NFIP claims in 2023–24, ranked #2 among 47 winters.

What share of state loss belongs to San Diego County?

San Diego County accounts for 5.1% of California modeled expected annual loss.

Which mitigation plan is listed for San Diego County?

The plan listed for San Diego County is San Diego County Multi-Jurisdictional Hazard Mitigation Plan.

What does FEMA estimate for heat waves in San Diego County?

San Diego County has about $24.2 million in modeled expected annual loss from heat waves, with a Relatively High rating.

What does FEMA estimate for tornadoes in San Diego County?

For tornadoes, FEMA lists San Diego County at Relatively Low, with about $2.3 million in modeled expected annual loss.

What is the FEMA community resilience rating for San Diego County?

FEMA assigns San Diego County a Very Low community resilience rating.

What is the FEMA risk index rating for San Diego County?

FEMA assigns San Diego County a Very High risk index rating.

Where next for San Diego County?

See how the county compares across the state in California natural hazard risk by county, download the FEMA county hazard data, or review the county climate risk data API and bulk files. Check the sources and what each measure can show on the methodology page.