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Risk: Relatively Moderate

Lake County, CA Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by wildfire. 62 storm events since 1996.

Expected yearly loss
$101M
Relatively Moderate nationally
Storm events since 1996
62
Most often flood
Flood insurance policies
871
2.4% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 93.0 of 100

Social vulnerability

Relatively High

Score 70.6 of 100

Community resilience

Relatively Low

Score 24.5 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $16B · Agriculture value exposed: $92.5M · Risk-adjusted yearly loss: $137M

Risk by hazard

  • WildfireRelatively High$20.3M/yr expected annual loss, about once every 59 years
  • LandslideRelatively High$872K/yr expected annual loss, about 94 events a year
  • EarthquakeRelatively Moderate$23.8M/yr expected annual loss, about once every 12 years
  • Volcanic activityRelatively Moderate$484K/yr expected annual loss, about once every 10,000 years
  • DroughtRelatively High$2.3M/yr expected annual loss, about 60 events a year
  • AvalancheRelatively High$1.3M/yr expected annual loss, about once every 8 years
  • Heat waveRelatively Low$329K/yr expected annual loss, about 6.7 events a year
  • Winter weatherRelatively Low$19.6K/yr expected annual loss, about 8.8 events a year
  • LightningVery Low$58.8K/yr expected annual loss, about 5.4 events a year
  • TornadoVery Low$59.6K/yr expected annual loss, about once every 10 years
  • HailVery Low$5,276/yr expected annual loss, about once every 23 years
  • Strong windVery Low$6,001/yr expected annual loss, about once every 109 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: coastal flooding, cold wave, hurricane, ice storm, riverine flooding, tsunami.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
871 of 36,234 (2.4%)
Homes in high-risk flood zones
5,319
Insured in high-risk zones
805 (15%)
Flood claims since 1978
1,432
Claims paid since 1978
$14.2M

Flood claims paid per year

Flood claims paid per year in Lake County
Beta
  • Flooding$4.9M · 507 claims
  • Pineapple Express - Southern$4.8M · 453 claims
  • February California Atmospheric River$32.5K · 2 claims
  • Winter storm$18.1K · 1 claim
  • California Atmospheric River$17.9K · 5 claims
  • San Diego Flooding$0 · 1 claim

Storm history

Since 1996: 62 events, 1 death, $8.8M in damage

  • Flood25 · 1 death
  • Heavy Rain21
  • Winter Weather5
  • High Wind4
  • Flash Flood2
  • Debris Flow2
  • Hail1
  • Heavy Snow1
  • Lightning1
Beta

Events per year

Storm events per year in Lake County
3
3
1
9
2
4
9
8
13
4
Beta

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flood01/01/2006

    Countywide, Lake County

    1 death, 1 injured, $1M damage

    What happened

    A series of warm winter storms brought heavy rain, mudslides, flooding, and high winds to Northern California. - Levee overtopping, breaching, and river flooding occurred along the Feather and Sacramento mainstem rivers as well as along numerous smaller rivers, creeks, and streams. Several urban areas had significant street flooding. The Sacramento weir was opened for the first time since 1997 with twenty gates opened. - Transportation throughout the area was difficult during the course of the storms as airports were closed due to the high winds and major road closures resulted from flooding and mudslides. Interstate 80...the main artery between Sacramento and the San Francisco Bay area...was closed near Fairfield in Solano County for several hours due to severe flooding. Additionally, Interstate 80 eastbound between Sacramento and Reno, NV, was closed for more than a day due to a massive mudslide, as was both directions of U.S. Highway 50 between Sacramento and South Lake Tahoe.- The primary weather impacts were due to flooding. Snow levels during this period of precipitation were high...around 7000 to 8000 feet along much of the Sierra Nevada mountain range. - Three...

  • Flood02/10/2017

    Lakeport, Lake County

    $7M damage

    What happened

    Flooding of Clear Lake brought the closure of multiple roads. Lakeshore Boulevard was closed due to flooding between Lange Street and Giselman Street, Other strees closed included Esplanade Street, K Street, Konoctie Avenue, and Lupoyoma Avenue. Clear Lake���s level stayed in flood stage for a month and led to mandatory evacuations in parts of the city of Lakeport. Lake County Public Works Director said early assessments suggested damage to county-maintained roads ranged between $5 million and $7 million.

  • Flood02/13/2019

    Witter Spgs, Lake County

    3 injured, $20K damage

    What happened

    The media reported that they received information from the California Highway Patrol that a vehicle was swept into Scotts Creek as they were trying to cross a flooded roadway. 3 people were rescued from the car.

  • Flood12/11/2014

    Lower Lake Pearce Ar, Lake County

    $400K damage

    What happened

    Flooding was reported in Clearlake, bringing significant and widespread damage. Neighborhoods were evacuated. Roads were damaged. Extensive road repair and debris removal was required.

  • Debris Flow12/11/2014

    Lakeport, Lake County

    $300K damage

    What happened

    A slide at Lakeside Heights over topped the K-railing that was placed at the base of the slope and extended out into Hill Road, blocking an access to Sutter Lakeside Hospital.

Drinking water

43 community water systems serve about 66,064 people. Violations since 2021.

13 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 9 systems had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

1 Superfund site and 1 toxic release facility in Lake County

Superfund sites

Toxic release facilities

Total: 227 lbs in 2024, 227 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk2 historic places

Frequently asked questions

How risky is Lake County for natural disasters?
FEMA rates Lake County relatively moderate for overall natural hazard risk, with expected losses of $101M a year. The highest-rated hazards are wildfire (relatively high), landslide (relatively high), earthquake (relatively moderate).
What storms are most common in Lake County?
Since 1996, NOAA recorded 62 storm events affecting Lake County, most often flood (25), heavy rain (21), winter weather (5).
How many homes in Lake County have flood insurance?
871 residential flood insurance policies are in force in Lake County, covering about 2.4% of homes. The program has paid $14.2M on 1,432 claims here since 1978.
What is the weather like in Lake County?
At Clearlake 4 SE, average highs reach 91°F in Jul and lows fall to 33°F in Jan, with 29.9 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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