Natural Disaster Risk in Cottonwood
California
Risk Summary for Cottonwood
Cottonwood scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Average risk β standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Cottonwood, California
Located in the western mountain region near the Pacific Coast in Tehama County, Cottonwood is a city of approximately 17,092 residents. The Mediterranean climate that characterizes this part of California β marked by dry summers and mild, wet winters with pronounced drought cycles β directly influences the types and severity of natural hazards present, making Cottonwood a community where hazard awareness has real practical value.
FEMA rates Cottonwood's composite natural disaster risk at 5.4 out of 10 β moderate risk. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. Residents should also account for volcano and wildfire risk in their preparedness planning.
Relative to other U.S. communities, Cottonwood's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.9/10 state average. The hazard distribution here is led by drought and volcano, as measured by FEMA across Tehama County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Cottonwood residents are well-served by maintaining standard preparedness practices β an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for drought is recommended.
What this means for Cottonwood: Drought preparedness
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
Local Factors for Cottonwood
These city-level factors differentiate Cottonwood from other communities in Tehama County and provide geographic context for its hazard exposure.
Population
17,092
SuburbanGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 40.3Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High β long dry fire season
Fire score: 9.9/10
Coordinates
40.3423Β° N, 122.4481Β° W
Tehama County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Cottonwood
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Cottonwood
Other cities in California
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.