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COUNTY / FEMA SAMPLE

Los Angeles County, CA climate risk

FEMA rates riverine flooding, wildfire and earthquake risk as Very High in Los Angeles County, CA. Modeled losses from natural hazards (expected annual loss) average about $7.6 billion a year, for a population of 10,005,712. These county figures come from the FEMA National Risk Index, December 2025 release. Observation windows vary by metric and sit beside the tables below.

Modeled expected annual loss
$7.60 billion / year
US loss rank
#1 of 3,232
State loss rank
#1 of 58
Loss per resident
$760 · state $764 · US $459
FEMA overall risk rating
Very High

California county modeled loss

San Benito County, CA: 1.05% of Los Angeles lossShasta County, CA: 1.78% of Los Angeles lossSierra County, CA: 0.11% of Los Angeles lossFresno County, CA: 7.33% of Los Angeles lossAmador County, CA: 0.51% of Los Angeles lossEl Dorado County, CA: 1.63% of Los Angeles lossMonterey County, CA: 5.29% of Los Angeles lossSan Bernardino County, CA: 27.30% of Los Angeles lossTehama County, CA: 0.91% of Los Angeles lossNevada County, CA: 1.06% of Los Angeles lossTuolumne County, CA: 0.67% of Los Angeles lossSanta Barbara County, CA: 6.28% of Los Angeles lossTrinity County, CA: 0.38% of Los Angeles lossStanislaus County, CA: 3.48% of Los Angeles lossColusa County, CA: 0.53% of Los Angeles lossAlpine County, CA: 0.06% of Los Angeles lossSiskiyou County, CA: 0.75% of Los Angeles lossDel Norte County, CA: 1.87% of Los Angeles lossInyo County, CA: 0.37% of Los Angeles lossSan Joaquin County, CA: 5.55% of Los Angeles lossImperial County, CA: 1.94% of Los Angeles lossCalaveras County, CA: 0.70% of Los Angeles lossButte County, CA: 1.67% of Los Angeles lossMadera County, CA: 2.13% of Los Angeles lossVentura County, CA: 10.03% of Los Angeles lossOrange County, CA: 25.34% of Los Angeles lossKern County, CA: 5.49% of Los Angeles lossContra Costa County, CA: 12.77% of Los Angeles lossKings County, CA: 1.26% of Los Angeles lossMendocino County, CA: 1.54% of Los Angeles lossSonoma County, CA: 7.95% of Los Angeles lossYuba County, CA: 0.61% of Los Angeles lossMerced County, CA: 2.69% of Los Angeles lossTulare County, CA: 2.82% of Los Angeles lossSacramento County, CA: 4.64% of Los Angeles lossSolano County, CA: 3.84% of Los Angeles lossSan Francisco County, CA: 11.23% of Los Angeles lossMariposa County, CA: 0.50% of Los Angeles lossMarin County, CA: 3.41% of Los Angeles lossSutter County, CA: 0.59% of Los Angeles lossLassen County, CA: 0.33% of Los Angeles lossRiverside County, CA: 29.80% of Los Angeles lossPlumas County, CA: 0.54% of Los Angeles lossSanta Clara County, CA: 25.85% of Los Angeles lossPlacer County, CA: 2.14% of Los Angeles lossSan Luis Obispo County, CA: 2.81% of Los Angeles lossSan Mateo County, CA: 9.73% of Los Angeles lossMono County, CA: 0.22% of Los Angeles lossSan Diego County, CA: 20.25% of Los Angeles lossNapa County, CA: 2.45% of Los Angeles lossAlameda County, CA: 24.79% of Los Angeles lossYolo County, CA: 1.53% of Los Angeles lossLake County, CA: 1.33% of Los Angeles lossLos Angeles County, CA: $7.60 billionGlenn County, CA: 0.54% of Los Angeles lossSanta Cruz County, CA: 4.41% of Los Angeles lossHumboldt County, CA: 2.48% of Los Angeles lossModoc County, CA: 0.13% of Los Angeles lossLos Angeles County, CA: detailed page available
  • Positive estimates to $41.1 million
  • Above $41.1 million to $116.7 million
  • Above $116.7 million to $213.9 million
  • Above $213.9 million to $604.7 million
  • Above $604.7 million to $7.60 billion
  • No FEMA estimate

Los Angeles County, CA ranks #1 of 58 in the state for modeled expected annual loss; the outline locates it.

View chart data

Is Los Angeles County at risk of flooding?

FEMA labels riverine flooding Very High and coastal flooding Relatively High. Modeled annual riverine flood loss is $2,808,736,524; coastal flood loss is $5,185,793. These are separate hazards and county totals. A rating describes relative county risk. It does not locate water at a building or establish a flood zone. Read missing statuses using the source documentation. Keep both source labels when comparing counties. Read the county rating versus flood-zone guide before requesting a location check.

What natural hazards affect Los Angeles County most?

Show tabular data
CountyModeled expected annual loss (USD/year)Overall risk rating
Los Angeles County, CA7,601,846,373.16Very High
Fixed snapshot: FEMA National Risk Index (December 2025 release). Each metric retains its label, unit and observation window; source release and observation periods are documented separately.
Show tabular data
Hazard ratings · original FEMA source labels
HazardSource labelObservation window
Coastal floodingRelatively High1996-2023
Riverine floodingVery High1996-2023
HurricaneNo Rating1851-2024
WildfireVery High1996-2023
EarthquakeVery High1996-2023
TornadoRelatively High1950-2023
Heat waveRelatively High2005-2024
HISTORICAL CLIMATE / REGIONAL CONTEXT

How have heat and rain changed in Los Angeles County?

Hot days

Days / year1991–20005.31991–2000: 5.30 Days / year2016–20256.62016–2025: 6.60 Days / year06.6

Hot days increased between the two decades.

View chart data
PlaceDays / year
1991–20005.30
2016–20256.60

Warm nights

Days / year1991–20000.81991–2000: 0.80 Days / year2016–20252.22016–2025: 2.20 Days / year05.0

Warm nights increased between the two decades.

View chart data
PlaceDays / year
1991–20000.80
2016–20252.20

Heavy-precipitation days

Days / year1991–20000.81991–2000: 0.80 Days / year2016–20251.32016–2025: 1.30 Days / year05.0

Heavy-precipitation days increased between the two decades.

View chart data
PlaceDays / year
1991–20000.80
2016–20251.30

Humid-heat days

Days / year1991–20001.41991–2000: 1.40 Days / year2016–20251.72016–2025: 1.70 Days / year05.0

Humid-heat days increased between the two decades.

View chart data
PlaceDays / year
1991–20001.40
2016–20251.70
NASA satellite-and-model climate data are sampled near the US Census Bureau’s 2020 county center of population. This is regional context, not a county average or a property finding.
Los Angeles County · FIPS 06037 · annual decade means · NASA; humid heat: Copernicus (ECMWF)
Measure1991–20002016–2025Change
Hot days · ≥35°C (95°F)5.36.6+1.3
Humid-heat days · heat index ≥103°F (39.4°C)1.41.7+0.3
Warm nights · ≥24°C (75.2°F)0.82.2+1.4
Heavy-rain days · ≥50 mm (≈2 in)0.81.3+0.5
Annual maximum daily precipitation · mm47.359.3+12.0

Counts are days per year; a grid-cell zero does not mean the county had no such events. Thresholds, time bases and limits: county climate method.

Methodology & sensor cross-check notes

Hot-day cross-check: NOAA’s county-average daily maximum temperature gives 10.2 → 15.9 hot days a year (+5.7); NASA gives 5.3 → 6.6 (+1.3). Both series show an increase, with different counts and change sizes. The footprints differ, so agreement does not validate either count. Warm nights and precipitation were not cross-checked. Humid-heat row: Copernicus (ECMWF) reanalysis. It uses a different regional grid from the NASA measures.

No statistical significance, cause or future trend is established; this does not change the FEMA ratings above.

Climate data: NASA · Population context: US Census Bureau · Hot-day cross-check: NOAA county climate records · Humid heat: Copernicus (ECMWF). Method, sources and limitations · Climate JSON · Data credits.

EL NIÑO HISTORY / WINTER PRECIPITATION AND TEMPERATURE

How does El Niño affect Los Angeles County winters?

Strong El Niño winter precipitation

1957–581957–58: 132.7% of normal precipitation1965–661965–66: 80.0% of normal precipitation1972–731972–73: 130.2% of normal precipitation1982–831982–83: 131.4% of normal precipitation1991–921991–92: 158.5% of normal precipitation1997–981997–98: 223.4% of normal precipitation2009–102009–10: 142.6% of normal precipitation2015–162015–16: 55.3% of normal precipitation2023–242023–24: 153.7% of normal precipitation100% (Normal)0%235%

7 of 9 strong El Niño winters were wetter than normal. The vertical line marks 100% of normal precipitation.

View chart data
WinterPrecipitation (% of normal)
1957–58132.654
1965–6679.995
1972–73130.164
1982–83131.442
1991–92158.538
1997–98223.358
2009–10142.561
2015–1655.328
2023–24153.741

NOAA and IRI both give 100% odds that El Niño conditions (tropical Pacific ONI of at least 0.5°C, not a local weather forecast) are present this winter. In Los Angeles County, 7 of 9 past strong El Niño winters were wetter than normal; the median winter had 133% of normal precipitation (rain and melted snow). The driest, 2015–16, had 55%.

Los Angeles County · Dec–Feb, strong El Niño winters · ONI peak °C · precipitation % of normal · temperature vs county trend · days with 1 inch or more of precipitation · flood claims filed (rank among 47 winters)
WinterONIPrecipitationTemp.Heavy daysClaims
1957–581.7133%+2.1°F7—
1965–661.680%−2.6°F2—
1972–731.8130%−2.5°F3—
1982–832.1131%+0.3°F6441 (#4)
1991–921.5159%+0.8°F6313 (#7)
1997–982.4223%−1.4°F71171 (#1)
2009–101.5143%−0.9°F5138 (#11)
2015–162.655%+1.2°F224 (#26)
2023–242.0154%0.0°F3151 (#10)
Winter normals and temperature baseline

Los Angeles County normals, 1990–91 to 2019–20 winters: 9.7 inches of precipitation (rain and melted snow) and 2.9 heavy days. Temperature is set against the county’s own winter trend of +0.4°F per decade since 1951–52.

Flood claims: December–February, from 1978 (— = before the data). The rank compares each winter with all 47 winters from 1978–79 to 2024–25 (#1 is the most claims; no rank is shown for 0 claims). The median winter had 30 claims; 5 of 6 strong winters in the data were above it. Insured exposure grew over time, so counts are not comparable across decades.

Past tendency is not a forecast and not a property-level finding. Before winter: four checks for property teams.

Sources: NOAA county climate records and Pacific climate assessments; FEMA National Flood Insurance Program claims. Method and limits · El Niño 2026–27.

What are the modeled losses by hazard?

From 1991–2000 to 2016–2025, hot days near Los Angeles County changed from 5.3 to 6.6 per year. Heavy-rain days changed from 0.8 to 1.3. The table retains humid heat, warm nights and maximum daily rain. Compare the periods alongside the source notes. These decade means describe past conditions; they do not predict a future year or establish a trend.

Los Angeles County’s modeled loss across all hazards is $7,601,846,373 per year. The FEMA National Risk Index ranks the hazards below by modeled loss, not rating category.

Show tabular data
Modeled Expected Annual Loss, ranked by total loss · county totals
HazardTotal loss ($/yr)Of which buildings ($/yr)Observation window
All hazards (composite)$7,601,846,373$5,946,330,3431996-2023
Earthquake$4,565,736,367$2,972,262,0451996-2023
Riverine flooding$2,808,736,524$2,801,568,2941996-2023
Wildfire$155,191,812$148,555,8901996-2023
Heat wave$36,756,547Not published2005-2024
Tornado$18,305,914$12,948,1461950-2023
Coastal flooding$5,185,793$5,184,0291996-2023
Hurricane$0$01851-2024

These modeled county totals do not estimate property losses, insurance inputs or forecasts. Do not multiply them by location counts.

Reuse this chart

Chart of Los Angeles County, CA modeled yearly loss by hazard: earthquake leads at $4.57B a year. Shows FEMA expected annual loss in dollars for 7 hazards.
Source: FEMA National Risk Index, December 2025 release. Modeled expected annual loss. Reuse this chart (CC BY 4.0).

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What is exposed in Los Angeles County?

Population and asset values show the scale behind county losses. These county totals are exposure measures, not loss figures.

Show tabular data
Population and asset values · county totals
MeasureValueObservation window
Resident population10,005,7122020-2020
Building replacement value$1,703,724,947,9202020-2020
Agricultural market value$199,072,6632022-2022

What do vulnerability and resilience show?

These relative rankings describe susceptibility to hazard impacts and capacity to recover. They measure no individual asset or outcome.

Show tabular data
Community vulnerability and resilience · index scores 0–100
MeasureScoreObservation window
Social vulnerability index55.42020-2020
Community resilience index13.52020-2020

Los Angeles County in the state and national rankings

National placement for Los Angeles County is #1 of 3,232, with an expected annual loss estimate of about $7.60 billion. Within California, 25.2% of modeled loss belongs here, placing the county #1 of 58. This $7.60 billion estimate is a long-run modeled annual average, not a forecast for a particular year. The next lower national total is about $2.42 billion, in Cook County, IL. Within the state list, Riverside County, CA has the next lower estimate: about $2.27 billion. That puts the estimates about $5.34 billion apart, with 7.5% of state loss in the comparison county.

California county comparisons

County hazard loss mix

Earthquake$4.57 billion · 60.1%Earthquake: 4,565,736,367.02 USD/year; 60.1%Riverine Flood$2.81 billion · 36.9%Riverine Flood: 2,808,736,523.86 USD/year; 36.9%Wildfire$155.2 million · 2.0%Wildfire: 155,191,812.04 USD/year; 2.0%Heat Wave$36.8 million · 0.5%Heat Wave: 36,756,546.86 USD/year; 0.5%Tornado$18.3 million · 0.2%Tornado: 18,305,914.45 USD/year; 0.2%Coastal Flood$5.2 million · 0.1%Coastal Flood: 5,185,793.00 USD/year; 0.1%Other$11.9 million · 0.2%Other: 11,933,415.93 USD/year; 0.2%0$4.57 billion

Earthquake leads the modeled expected annual loss mix; bar lengths share a zero baseline.

View chart data
HazardUSD / yearShare
Earthquake4,565,736,367.0260.1%
Riverine Flood2,808,736,523.8636.9%
Wildfire155,191,812.042.0%
Heat Wave36,756,546.860.5%
Tornado18,305,914.450.2%
Coastal Flood5,185,793.000.1%
Other11,933,415.930.2%

National hazard loss ranks

Earthquake#1 of 3,232 US · #1 of 58 in CAEarthquake: 100.00 percentileRiverine Flood#1 of 3,232 US · #1 of 58 in CARiverine Flood: 100.00 percentileWildfire#3 of 3,144 US · #3 of 58 in CAWildfire: 99.94 percentileHeat Wave#25 of 3,202 US · #2 of 58 in CAHeat Wave: 99.25 percentileTornado#103 of 3,225 US · #1 of 58 in CATornado: 96.84 percentileCoastal Flood#56 of 588 US · #5 of 21 in CACoastal Flood: 90.65 percentile0100 percentile

Earthquake ranks #1 of 3,232 by modeled expected annual loss. Higher percentiles mean larger modeled losses.

View chart data
HazardRankPercentile
Earthquake#1 of 3,232 US · #1 of 58 in CA100.00
Riverine Flood#1 of 3,232 US · #1 of 58 in CA100.00
Wildfire#3 of 3,144 US · #3 of 58 in CA99.94
Heat Wave#25 of 3,202 US · #2 of 58 in CA99.25
Tornado#103 of 3,225 US · #1 of 58 in CA96.84
Coastal Flood#56 of 588 US · #5 of 21 in CA90.65

Modeled loss per resident

USD / resident / yearLos Angeles$760Los Angeles: 759.75 USD / resident / yearCalifornia$764California: 764.40 USD / resident / yearUS$459US: 459.35 USD / resident / year0$764

Los Angeles has about $760 in modeled expected annual loss per resident. State and US values divide total loss by total population.

View chart data
PlaceUSD / resident / year
Los Angeles759.75
California764.40
US459.35

Los Angeles County hazard estimates

Earthquake

For earthquakes, the county leads all US counties in modeled expected annual loss, at about $4.57 billion. At 60.1% of the county’s modeled loss, the hazard places #1 of 58 statewide; FEMA assigns a Very High rating; the Very High label covers 7 state counties and 8 nationally for earthquakes.

Riverine Flood

The largest US county estimate for riverine flooding belongs here: about $2.81 billion, ranking #1 of 3,232. Its 36.9% share of total loss comes with a state loss rank of #1 of 58; FEMA assigns a Very High rating; the same rating for riverine flooding covers 9 California counties and 26 across the US.

Wildfire

For wildfires, about $155.2 million in expected annual loss puts the county #3 of 3,144 across the US. This hazard makes up 2.0% of the total; FEMA assigns a Very High rating, and its loss ranks #3 of 58 in California; the Very High label covers 4 state counties and 4 nationally for wildfires.

Heat Wave

FEMA models about $36.8 million in expected annual loss from heat waves, placing the county #25 of 3,202 nationally. In California, this estimate ranks #2 of 58 and represents 0.5% of the county’s modeled loss; FEMA assigns a Relatively High rating; the Relatively High label covers 17 state counties and 98 nationally for heat waves.

Tornado

The national loss rank for tornadoes is #103 of 3,225, based on about $18.3 million in modeled expected annual loss. At 0.2% of the county’s modeled loss, the hazard places #1 of 58 statewide; FEMA assigns a Relatively High rating; for tornadoes, 1 state county and 272 US counties share that label.

Coastal Flood

For coastal flooding, about $5.2 million in expected annual loss puts the county #56 of 588 across the US. Its 0.1% share of total loss comes with a state loss rank of #5 of 21; FEMA assigns a Relatively High rating, matching 60 US counties, including 7 in California, for this hazard.

The loss estimate for earthquakes exceeds riverine flooding by about $1.76 billion, equivalent to 23.1 percentage points of total loss. For riverine flooding, modeled loss is about $2.65 billion above wildfires, leaving 34.9 percentage points between their county shares. About $118.4 million separates wildfires from heat waves in the local estimates, equivalent to 1.6 percentage points of county loss. For heat waves, modeled loss is about $18.5 million above tornadoes, leaving 0.2 percentage points between their county shares. The loss estimate for tornadoes exceeds coastal flooding by about $13.1 million, equivalent to 0.2 percentage points of total loss.

Population and recorded values

FEMA counts 10,005,712 residents in Los Angeles County, across about 4,797 square miles. The recorded building value is about $1,703.72 billion. The recorded agricultural value is about $199.1 million. Per resident, the modeled annual amount is about $760; the California average is about $764. Its 25.3% share of state residents sits alongside 25.2% of of annual loss. The county contains 22.0% of the building value recorded across California. The county holds density position 3 of 58 in California, using FEMA’s recorded population and area. The population-to-area ratio is about 2,086 residents per square mile; statewide it is about 239. At 10,005,712 residents, the county compares with the California county median of about 186,448. In the US totals, the county represents 4.9% of modeled annual loss and 3.0% of recorded residents. For comparison, the US modeled loss average is about $459 per resident; the county figure is about $760. The six hazards described above together make up 99.8% of modeled loss, about $7.59 billion annually. The balance outside those six estimates is about $11.9 million, or 0.2% of total loss. The county’s number 7 hazard by dollar loss is tsunamis: about $3.3 million, with a state rank of #8 of 20. This 0.0% slice of county loss ranks #43 of 119 across US counties. In position 8 locally, lightning has about $2.1 million in modeled annual loss, ranking #1 of 58 statewide. This 0.0% slice of county loss ranks #127 of 3,222 across US counties.

FEMA labels and risk score

Los Angeles County has a FEMA risk index score of about 100.0, ranking #1 of 3,144 nationally. The risk index rating is Very High, a label shared by 9 of 58 California counties. Among 58 California counties, 7 receive the same Very High label for expected annual loss. For social vulnerability, FEMA assigns Relatively Moderate; 14 counties in California have that label. FEMA labels community resilience as Very Low, matching 12 county records across California. Its risk score ranks #1 of 58 within California, while its loss total ranks #1 of 58. The Relatively Moderate vulnerability and Very Low resilience pairing appears in 1 California counties. The group represents 25.2% of statewide loss; this county supplies 100.0% of the group’s modeled amount. On the state risk-score list, Riverside County, CA sits immediately below, scoring about 99.9 and ranking #2 of 58. Its share of statewide modeled loss is 7.5%; FEMA’s risk index label there is Very High. Across the US, this social vulnerability category, Relatively Moderate, covers 21.5% of residents in 628 counties. The Very Low category for community resilience includes 628 US counties and 18.6% of recorded US residents. The county’s Very High group contains 4 hazards: earthquakes, lightning, riverine flooding, wildfires. The local Relatively High hazard group contains 5 entries: avalanches, coastal flooding, heat waves, landslides, tornadoes. FEMA assigns Relatively Moderate to 3 hazards here, covering hail, strong wind, winter weather. Across the county’s hazard ratings, 2 carry Relatively Low: drought, tsunamis. Across the county’s hazard ratings, 1 carry Very Low: cold waves.

What else should I know about Los Angeles County?

Which strong El Niño winter had the most flood claims in Los Angeles County?

Los Angeles County recorded 1,171 December–February NFIP claims in 1997–98, ranked #1 among 47 winters.

What does FEMA estimate for tornadoes in Los Angeles County?

Los Angeles County has about $18.3 million in modeled expected annual loss from tornadoes, with a Relatively High rating.

How often were strong El Niño winters wetter in Los Angeles County?

Los Angeles County was wetter than normal in 7 of 9 strong El Niño winters.

What does FEMA estimate for winter weather in Los Angeles County?

Los Angeles County has about $142,000 in modeled expected annual loss from winter weather, with a Relatively Moderate rating.

What does FEMA estimate for hail in Los Angeles County?

For hail, FEMA lists Los Angeles County at Relatively Moderate, with about $2.0 million in modeled expected annual loss.

What is the FEMA risk index rating for Los Angeles County?

FEMA assigns Los Angeles County a Very High risk index rating.

Which hazard has the largest modeled loss in Los Angeles County?

Earthquakes leads Los Angeles County, at about $4.57 billion in modeled expected annual loss.

Where next for Los Angeles County?

See how the county compares across the state in California natural hazard risk by county, download the FEMA county hazard data, or review the county climate risk data API and bulk files. Check the sources and what each measure can show on the methodology page.