Natural Disaster Risk in O'Neals
California
Risk Summary for O'Neals
O'Neals scores 6.6/10 (High 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
🏠 What this means for insurance
Above-average risk — 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: O'Neals, California
O'Neals, in Madera County, is a small community of about 905 situated in the western mountain region near the Pacific Coast. Its Mediterranean climate brings dry summers and mild, wet winters with pronounced drought cycles, and in particular a critical fire season from late summer through fall. These conditions collectively define the natural hazard environment that O'Neals residents and property owners must navigate.
O'Neals's overall natural disaster risk is rated 6.6/10 (High) by FEMA's National Risk Index. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Secondary hazards include wildfire and heat.
Within California, O'Neals's risk is, slightly above the 5.9/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Madera County identifies drought as the foremost hazard, followed by wildfire and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
O'Neals's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for O'Neals: Drought preparedness
- 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.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
Local Factors for O'Neals
These city-level factors differentiate O'Neals from other communities in Madera County and provide geographic context for its hazard exposure.
Population
905
RuralGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 37.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.9/10
Coordinates
37.1641° N, 119.6182° W
Madera 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 O'Neals
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in O'Neals
Other cities in California
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.