Natural Disaster Risk in Calaveras County
California
Risk Summary for Calaveras County
Calaveras County scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Calaveras County, California
Calaveras County is located in the United States in California, home to roughly 45,237 residents. The county experiences dry summers and mild, wet winters with pronounced drought cycles, with a critical fire season from late summer through fall shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.
According to FEMA's National Risk Index, Calaveras County carries an overall risk score of 6.0/10, placing it in the high category. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. The area also faces notable exposure to drought and landslide.
Calaveras County's risk score, near the 5.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Calaveras County, the highest-scoring are wildfire, drought, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, Calaveras County residents benefit from taking preparedness seriously. Reviewing insurance coverage for wildfire and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Calaveras County: Wildfire preparedness
- Create defensible space by clearing flammable vegetation within 30β100 feet of structures.
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
Cities in Calaveras County
ZIP codes in Calaveras County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. For informational purposes only.