Natural Disaster Risk in San Clemente
California
Risk Summary for San Clemente
San Clemente scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
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: San Clemente, California
Located in the southwestern United States with Pacific Coast influence in San Diego County, San Clemente is a city of approximately 36,939 residents. The Mediterranean climate that characterizes this part of California — marked by dry summers and mild, wet winters with pronounced drought cycles — directly influences the types and severity of natural hazards present, making San Clemente a community where hazard awareness has real practical value.
San Clemente's overall natural disaster risk is rated 7.4/10 (High) by FEMA's National Risk Index. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. Secondary hazards include landslide and wildfire.
Relative to other U.S. communities, San Clemente's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.9/10 state average. The hazard distribution here is led by earthquake and landslide, as measured by FEMA across San Diego County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
San Clemente'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 San Clemente: Earthquake preparedness
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
Local Factors for San Clemente
These city-level factors differentiate San Clemente from other communities in San Diego County and provide geographic context for its hazard exposure.
Population
36,939
SuburbanGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Mild Temperate
Latitude 33.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 10.0/10
Coordinates
33.3825° N, 117.5403° W
San Diego 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 San Clemente
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in San Clemente
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.