Natural Disaster Risk in El Dorado
California
Risk Summary for El Dorado
El Dorado scores 6.1/10 (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: El Dorado, California
Located in the western mountain region near the Pacific Coast in El Dorado County, El Dorado is a town of roughly 4,844 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 El Dorado a community where hazard awareness has real practical value.
El Dorado's overall natural disaster risk is rated 6.1/10 (High) by FEMA's National Risk Index. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. Secondary hazards include avalanche and landslide.
Relative to other U.S. communities, El Dorado's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.9/10 state average. The hazard distribution here is led by wildfire and avalanche, as measured by FEMA across El Dorado County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, El Dorado 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 El Dorado: Wildfire preparedness
- 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.
- Create defensible space by clearing flammable vegetation within 30β100 feet of structures.
Local Factors for El Dorado
These city-level factors differentiate El Dorado from other communities in El Dorado County and provide geographic context for its hazard exposure.
Population
4,844
Small TownGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 38.6Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High β long dry fire season
Fire score: 10.0/10
Coordinates
38.6075Β° N, 120.8487Β° W
El Dorado 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 El Dorado
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in El Dorado
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.