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Natural hazard risk in Monterey County, California

Updated October 30, 2026. Based on FEMA, NOAA and OpenFEMA data. Published by Humblebee.

FEMA overall Risk Index rating: Relatively High (score 98.7 of 100)[5]

Expected annual loss (FEMA)
$402.4 million[1]
Federal disaster declarations since 1967
31[2]
NFIP flood claims paid, 1978 to 2026
$42.4 million[3]
Tornadoes recorded, 1950 to 2024
5[4]

FEMA rates the overall natural hazard risk for Monterey County as Relatively High compared with other US counties[5]. Within the county, FEMA's hazards with the highest scores are drought, landslide and earthquake[6].

FEMA risk ratings for each hazard

Ratings and expected losses from the FEMA National Risk Index. Each rating compares this county with all US counties for that hazard, from Very Low to Very High. They are planning estimates, not predictions, and they do not describe any single property.

FEMA's National Risk Index (version 1.20, December 2025) gives Monterey County a Risk Index score of 98.7 out of 100[5]. FEMA estimates Expected Annual Loss from all 18 natural hazards at $402.4 million a year[1]. This is FEMA's estimate of average yearly loss, not money anyone paid[7]. By hazard type, FEMA's Expected Annual Loss values are earthquake at $181.9 million a year, inland flooding at $109.3 million a year and drought at $81.1 million a year[8]. FEMA rates social vulnerability as Relatively Moderate[9] and community resilience as Relatively Low[10]. FEMA describes community resilience as a community's ability to prepare for, withstand and recover from hazards[10].

Hazards sorted by FEMA hazard-type Risk Index score, highest first
HazardFEMA risk ratingExpected annual loss
DroughtVery High$81.1 million[11]
LandslideRelatively High$4.7 million[12]
EarthquakeRelatively High$181.9 million[13]
WildfireRelatively High$17.1 million[14]
Inland FloodingRelatively High$109.3 million[15]
Heat WaveRelatively Moderate$6.3 million[16]
LightningRelatively Moderate$341,000[17]
Coastal FloodingRelatively Low$422,000[18]
TsunamiVery Low$712,000[19]
HailVery Low$120,000[20]
AvalancheVery Low$101[21]
TornadoRelatively Low$404,000[22]
Strong WindVery Low$75,000[23]
Winter WeatherVery Low$3,709[24]

Rated Not Applicable by FEMA for this county: hurricane, ice storm, volcanic activity[25].

Social vulnerability and community resilience

FEMA uses these two ratings to scale expected losses into the Risk Index.

FEMA measureRatingScore
Social vulnerabilityRelatively Moderate54.8[9]
Community resilienceRelatively Low24.6[10]

Flooding and flood insurance

FEMA rates inland flooding risk Relatively High for Monterey County compared with other US counties, with an Expected Annual Loss of $109.3 million a year[15]. FEMA rates coastal flooding Relatively Low[18]. OpenFEMA lists 1,190 residential flood insurance contracts in force, a penetration rate of 1.1%[26]. Inside the mapped Special Flood Hazard Area, 22.8% of homes are insured[26]. OpenFEMA data show 1,492 NFIP claims were filed for losses from 1978 to 2026, and NFIP paid $42.4 million in total[3]. To learn about a specific address, use FEMA's Flood Map Service Center[27].

Measure Value
Inland Flooding, FEMA risk rating[15] Relatively High, $109.3 million expected loss a year
Coastal Flooding, FEMA risk rating[18] Relatively Low, $422,000 expected loss a year
NFIP residential flood policies in force (2026)[26] 1,190 of 110,683 homes
Homes in FEMA's mapped high-risk flood area (SFHA)[26] 3,063, of which 699 insured
NFIP flood claims, 1978 to 2026[3] 1,492 filed, $42.4 million paid

Is a specific address in a flood zone? Only FEMA's flood maps answer that, property by property[27]. This page describes the whole county.

Search an address on the FEMA Flood Map Service Center

Disaster declarations and tornado records

OpenFEMA lists 31 federal disaster declarations for natural hazards that include Monterey County since 1967[2]. By incident type, severe storm and flood each account for 8, and fire for 7[2]. The most recent listed is DR-4769-CA, declared 2024-04-13[28]. NOAA's tornado database records 5 tornadoes touching the county from 1950 to 2024, and the strongest were rated F1[4].

Federal disaster declarations for natural hazards that include Monterey County, since 1967
Incident type Declarations
Severe Storm[2] 8
Flood[2] 8
Fire[2] 7
Freezing[2] 3
Tsunami[2] 1
Coastal Storm[2] 1
Hurricane[2] 1
Drought[2] 1
Earthquake[2] 1
Most recent declarations
Declaration Incident Declared
DR-4769-CA[28] Severe Winter Storms, Tornadoes, Flooding, Landslides, And Mudslides 2024-04-13
DR-4699-CA[28] Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, And Mudslides 2023-04-03
EM-3592-CA[28] Severe Winter Storms, Flooding, Landslides, And Mudslides 2023-03-10
DR-4683-CA[28] Severe Winter Storms, Flooding, Landslides, And Mudslides 2023-01-14
EM-3591-CA[28] Severe Winter Storms, Flooding, And Mudslides 2023-01-09

How to prepare

Steps from Ready.gov, FEMA's preparedness site, for the hazards with the highest FEMA ratings here. Follow instructions from local officials and the National Weather Service when a warning is issued.

Earthquakes

Before

  • Practice Drop, Cover, and Hold On with your family and coworkers.
  • Sign up for earthquake alerts that can warn you before shaking starts.
  • Make a plan with an out-of-state contact and a place to meet if you get separated.
  • Anchor heavy items such as bookcases, refrigerators and water heaters, and keep heavy things on low shelves.
  • Consider earthquake insurance. Standard homeowners policies do not cover earthquake damage.

During

  • Drop to your hands and knees, cover your head and neck, and hold on until the shaking stops.
  • Indoors, stay where you are and avoid doorways. Outdoors, move to an open area away from buildings and power lines.
  • If you are driving, pull over, stop and set the parking brake.

Source: Ready.gov, earthquakes

Wildfires

Before

  • Sign up for community alerts and watch for air quality alerts.
  • Make sure everyone knows the evacuation plan, including for school, work and other places you go often.
  • Keep a fire-resistant zone of at least 30 feet around your home, clear of leaves and debris.
  • Use fire-resistant building materials and keep a hose long enough to reach every part of your property.
  • Pick a room you can seal off from outside air and keep a portable air cleaner ready.

During

  • Leave right away when authorities tell you to evacuate.
  • If you are trapped, call 9-1-1 with your location and turn on lights to help rescuers find you.
  • If you are not ordered to leave but there is smoke, stay in a safe indoor place or go to a community building with less smoke.

Source: Ready.gov, wildfires

Floods

Before

  • Check your flood risk with FEMA's Flood Map Service Center, and remember that floods do not follow map lines.
  • Sign up for your community's warning system. NOAA Weather Radio also broadcasts alerts.
  • Buy flood insurance through the NFIP well before a disaster. Homeowners policies do not cover flooding, and a new policy typically takes up to 30 days to go into effect.
  • Make a household plan with evacuation routes, shelter locations and what to do in a flash flood.
  • Keep important documents in a waterproof container and make password-protected digital copies.

During

  • If you are told to evacuate, leave right away and never drive around barricades.
  • Do not walk, swim or drive through floodwater. Six inches of moving water can knock you down.
  • If you are trapped in a building, go to the highest level, but do not climb into a closed attic.

Source: Ready.gov, floods

Questions people ask

Is Monterey County at risk of flooding?
FEMA rates inland flooding risk Relatively High and coastal flooding Relatively Low compared with other US counties[15][18]. FEMA's index does not predict next year's losses[7].
Is Monterey County at risk of earthquakes?
FEMA rates earthquake risk Relatively High compared with other US counties, with an Expected Annual Loss of $181.9 million a year[13].
Does Monterey County have tornadoes?
FEMA rates tornado risk Relatively Low compared with other US counties[22]. NOAA's tornado database records 5 tornadoes from 1950 to 2024[4].
How many disasters have been declared in Monterey County?
OpenFEMA lists 31 federal disaster declarations for natural hazards that include the county since 1967[2].
How do I check a flood zone?
Flood zones apply to specific properties. Look up an address at FEMA's Flood Map Service Center or ask the local floodplain manager[27].

Facts and sources

  1. FEMA National Risk Index (version 1.20, December 2025): Expected Annual Loss from all 18 natural hazards in Monterey County is $402.4 million a year (Expected Annual Loss rating Relatively High, score 98.6). Of this, buildings account for $258.8 million, injuries and deaths (converted to dollars by FEMA) for $59.5... FEMA National Risk Index
  2. OpenFEMA Disaster Declarations Summaries list 31 federal disaster declarations for natural hazards that include Monterey County since 1967 (22 major disaster, 9 emergency or fire management). By incident type: severe storm 8, flood 8, fire 7, freezing 3, tsunami 1, coastal storm 1, hurricane 1, drought 1,... OpenFEMA Disaster Declarations
  3. HazardFacts tally of OpenFEMA NFIP Redacted Claims (losses from 1978 to 2026): 1,492 National Flood Insurance Program claims were filed for losses in Monterey County, 1,095 of them with a payment, and NFIP paid $42.4 million in total (building, contents and increased cost of compliance, in dollars of the year... OpenFEMA NFIP claims
  4. NOAA Storm Prediction Center tornado database (1950 to 2024): 5 recorded tornadoes touched Monterey County. The strongest were rated F1 (most recent of them on 1992-12-06). 0 were rated F3/EF3 or stronger. The most recent recorded tornado was on 2016-04-22. Ratings used the Fujita scale until early 2007 and the... NOAA Storm Prediction Center
  5. FEMA National Risk Index (version 1.20, December 2025): the overall natural hazard Risk Index rating for Monterey County is Relatively High, with a Risk Index score of 98.7 out of 100. The score is the county's percentile rank among all US counties. FEMA National Risk Index
  6. Among the 18 hazards in the FEMA National Risk Index (version 1.20, December 2025), the hazards with the highest hazard-type Risk Index scores for Monterey County are drought (99.9, Very High), landslide (99.8, Relatively High), earthquake (99.3, Relatively High). HazardFacts sorted FEMA's published scores; FEMA's... FEMA National Risk Index
  7. FEMA's National Risk Index FAQ (December 2025): Expected Annual Loss is FEMA's estimate of the average economic loss in dollars from natural hazards each year. The index is not meant to predict how much damage a community will have in the next year, and a hazard can still cause damage where a rating is low. Scores... FEMA National Risk Index documentation
  8. HazardFacts sorted FEMA's hazard-type Expected Annual Loss values for Monterey County (National Risk Index v1.20): the largest are earthquake ($181.9 million a year), inland flooding ($109.3 million a year), drought ($81.1 million a year), out of $402.4 million a year from all 18 hazards. FEMA National Risk Index
  9. FEMA National Risk Index (version 1.20, December 2025): Social Vulnerability rating for Monterey County is Relatively Moderate (score 54.8). FEMA describes social vulnerability as how susceptible social groups are to the harm natural hazards cause. FEMA National Risk Index
  10. FEMA National Risk Index (version 1.20, December 2025): Community Resilience rating for Monterey County is Relatively Low (score 24.6). FEMA describes community resilience as a community's ability to prepare for, withstand and recover from hazards. FEMA National Risk Index
  11. FEMA National Risk Index (version 1.20, December 2025), drought in Monterey County: Risk Index rating Very High (score 99.9 of 100). Expected Annual Loss $81.1 million a year (rating Very High). Annualized frequency 94.43 event-days per year, from recorded occurrences over a period of record of 22 years. FEMA National Risk Index
  12. FEMA National Risk Index (version 1.20, December 2025), landslide in Monterey County: Risk Index rating Relatively High (score 99.8 of 100). Expected Annual Loss $4.7 million a year (rating Relatively High). FEMA National Risk Index
  13. FEMA National Risk Index (version 1.20, December 2025), earthquake in Monterey County: Risk Index rating Relatively High (score 99.3 of 100). Expected Annual Loss $181.9 million a year (rating Relatively High). FEMA's modeled annual frequency is 0.1551 events per year. FEMA National Risk Index
  14. FEMA National Risk Index (version 1.20, December 2025), wildfire in Monterey County: Risk Index rating Relatively High (score 98.6 of 100). Expected Annual Loss $17.1 million a year (rating Relatively High). FEMA's modeled annual frequency is 0.0088 events per year. FEMA National Risk Index
  15. FEMA National Risk Index (version 1.20, December 2025), inland flooding in Monterey County: Risk Index rating Relatively High (score 97.2 of 100). Expected Annual Loss $109.3 million a year (rating Relatively High). Annualized frequency 1.82 event-days per year, from recorded occurrences over a period of record of... FEMA National Risk Index
  16. FEMA National Risk Index (version 1.20, December 2025), heat wave in Monterey County: Risk Index rating Relatively Moderate (score 95.8 of 100). Expected Annual Loss $6.3 million a year (rating Relatively Moderate). Annualized frequency 7.46 event-days per year, from recorded occurrences over a period of record of... FEMA National Risk Index
  17. FEMA National Risk Index (version 1.20, December 2025), lightning in Monterey County: Risk Index rating Relatively Moderate (score 63.6 of 100). Expected Annual Loss $341,000 a year (rating Relatively Moderate). Annualized frequency 2.67 events per year, from recorded occurrences over a period of record of 24 years. FEMA National Risk Index
  18. FEMA National Risk Index (version 1.20, December 2025), coastal flooding in Monterey County: Risk Index rating Relatively Low (score 59.8 of 100). Expected Annual Loss $422,000 a year (rating Relatively Low). FEMA's modeled annual frequency is 3.102 events per year. FEMA National Risk Index
  19. FEMA National Risk Index (version 1.20, December 2025), tsunami in Monterey County: Risk Index rating Very Low (score 46.1 of 100). Expected Annual Loss $712,000 a year (rating Relatively Low). FEMA National Risk Index
  20. FEMA National Risk Index (version 1.20, December 2025), hail in Monterey County: Risk Index rating Very Low (score 33.5 of 100). Expected Annual Loss $120,000 a year (rating Very Low). Annualized frequency 0.05 events per year, from recorded occurrences over a period of record of 37 years. FEMA National Risk Index
  21. FEMA National Risk Index (version 1.20, December 2025), avalanche in Monterey County: Risk Index rating Very Low (score 30.8 of 100). Expected Annual Loss $101 a year (rating Very Low). Annualized frequency 0.01 events per year, from recorded occurrences over a period of record of 28 years. FEMA National Risk Index
  22. FEMA National Risk Index (version 1.20, December 2025), tornado in Monterey County: Risk Index rating Relatively Low (score 28.6 of 100). Expected Annual Loss $404,000 a year (rating Relatively Low). Annualized frequency 0.13 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  23. FEMA National Risk Index (version 1.20, December 2025), strong wind in Monterey County: Risk Index rating Very Low (score 11.3 of 100). Expected Annual Loss $75,000 a year (rating Very Low). Annualized frequency 0.02 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  24. FEMA National Risk Index (version 1.20, December 2025), winter weather in Monterey County: Risk Index rating Very Low (score 5.8 of 100). Expected Annual Loss $3,709 a year (rating Very Low). Annualized frequency 1.5 events per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  25. FEMA National Risk Index (version 1.20, December 2025) rates these hazards Not Applicable for Monterey County: hurricane, ice storm, volcanic activity. FEMA uses Not Applicable when its source data has no historical record of the hazard in the community and the hazard is not considered geographically possible there. FEMA National Risk Index documentation
  26. NFIP Residential Penetration Rates (OpenFEMA, as of 2026-08-03): 1,190 residential flood insurance contracts were in force in Monterey County, out of 110,683 residential structures, a penetration rate of 1.1%. Inside FEMA's mapped Special Flood Hazard Area there were 3,063 residential structures and 699 contracts,... OpenFEMA NFIP penetration rates
  27. FEMA's Flood Map Service Center is the official public source for flood maps (Flood Insurance Rate Maps) produced under the National Flood Insurance Program. Flood zones apply to specific properties: look up an address there or ask the local floodplain manager. County-level ratings do not tell you the flood zone of... FEMA Flood Map Service Center
  28. Most recent federal disaster declarations for natural hazards (table on this page). OpenFEMA Disaster Declarations

FEMA's National Risk Index compares each county with all other US counties. Ratings are relative (Very Low to Very High), not a measure of safety. Never call a place safe, unsafe, good or bad to live in. Risk Index and Expected Annual Loss values are FEMA estimates for planning. They do not predict next year's losses and do not apply to a single property. Flood zones are set by FEMA flood maps for specific properties. County ratings and flood insurance counts do not tell anyone whether an address is in a flood zone. Disaster declaration, NFIP and tornado counts are records of the past for this county only. Do not compare with other counties unless a fact does.

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties, v1.20 (December 2025). Retrieved from fema.maps.arcgis.com on October 30, 2026. This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.