San Joaquin County, California: hazard risk
FEMA rates San Joaquin County's overall risk Relatively High (score 98.6 of 100, higher than 98% of rated U.S. counties); 5 of its 14 hazards are rated Relatively High or Very High, led by drought, earthquake, riverine flooding. Its storm record holds 401 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Drought | Very High | 99.9 | $83M |
| Earthquake | Relatively High | 99.3 | $184M |
| Riverine Flooding | Relatively High | 97.7 | $138M |
| Heat Wave | Relatively High | 97.4 | $11M |
| Lightning | Relatively High | 93.4 | $1.5M |
| Wildfire | Relatively Moderate | 92.0 | $1.9M |
| Hail | Relatively Low | 54.7 | $316K |
| Tornado | Relatively Low | 49.0 | $1.2M |
| Winter Weather | Relatively Low | 42.4 | $49K |
| Strong Wind | Relatively Low | 38.0 | $384K |
| Volcanic Activity | Very Low | 79.8 | $515 |
| Landslide | Very Low | 62.0 | $3K |
| Avalanche | Very Low | 2.2 | $0 |
| Cold Wave | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Drought | 83 | 0 | $1.9B | 14th of 57 | 1230th of 3,063 |
| Heat | 69 | 4 | – | 13th of 57 | 664th of 3,076 |
| Floods | 67 | 2 | $107M | 25th of 57 | 2017th of 3,080 |
| High wind and dust storms | 58 | 3 | $9.0M | 40th of 57 | 1425th of 3,080 |
| Extreme cold | 34 | 5 | $29M | 19th of 57 | 1164th of 3,076 |
| Heavy rain | 19 | 0 | $364M | 26th of 57 | 821st of 3,080 |
| Tornadoes | 19 | 0 | $658K | 4th of 57 | 2358th of 3,080 |
| Wildfires | 11 | 0 | $31M | 42nd of 57 | 345th of 2,972 |
| Hail | 5 | 0 | – | 42nd of 57 | 2968th of 3,080 |
| Severe thunderstorm wind | 4 | 0 | $1.9M | 34th of 57 | 2988th of 3,080 |
| Winter storms | 3 | 0 | – | 54th of 57 | 3041st of 3,077 |
| Lightning | 2 | 0 | – | 22nd of 57 | 2095th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full San Joaquin County record: every hazard by year and month, the deadliest events and FEMA's declarations.