Amador County, California
Natural disaster risk, federal disaster history and flood insurance facts.
Amador County, California has a relatively low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is higher than 79% of US counties. It ranks 52nd of 58 counties in California. The costliest hazards here are wildfires, inland flooding and drought. FEMA estimates about $39 million a year in expected losses, or roughly $960 per resident. Since 1964 it has been included in 19 federal disaster or emergency declarations for natural events (14 major disasters). The most recent was in April 2023 (severe winter storms, straight-line winds, flooding, landslides and mudslides). Fewer than 1 in 100 homes here carry federal flood insurance (99 policies). Since 1978, federal flood insurance has paid about $1.5 million on 78 claims here, including $633,000 for floods in 2022.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Amador County
- Clear dry plants and debris within 5 feet of the house.
- Get home insurance quotes early; availability varies by area.
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Check local water restrictions.
- Choose drought-tolerant plants.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Wildfire | 98.1 | $14M | ||
| Inland flooding | 70.0 | $12M | ||
| Drought | 99.1 | $8M | ||
| Avalanche | 91.7 | $2M | ||
| Heat wave | 77.3 | $1M | ||
| Earthquake | 64.5 | $564K | ||
| Winter weather | 86.8 | $299K | ||
| Lightning | 52.8 | $247K | ||
| Landslide | 94.3 | $104K | ||
| Strong wind | 5.7 | $36K | ||
| Tornado | 6.0 | $26K | ||
| Hail | 7.0 | $19K | ||
| Volcanic activity | 46.9 | $10 |
Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively moderate and community resilience is relatively low in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Amador County. 2020s bar runs to November 2026.
By type
Most recent
Show all 19
California also had 35 statewide declarations that did not name single counties.
Storm history since 1998
Tornado risk by county ›The National Weather Service has logged 26 storm reports in Amador County since 1998 and about $153,000 in reported damage. No tornadoes are on record here.
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| Oct 17, 2015 | Debris Flow | Electra | $100K |
| Dec 31, 2022 | Flood | Jackson | $50K |
| Jan 10, 2023 | Thunderstorm Wind | Bonnefoy | $2K |
| Jan 10, 2023 | Thunderstorm Wind | Bonnefoy | $1K |
Source: NOAA Storm Events Database, county-based reports through Jan 4, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.
Flood insurance in Amador County
Check your address flood zone ›National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.
Homes in Amador County
Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 19,019 housing units.
Compare in California
All 58 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| Los Angeles County | Earthquake | |
| San Diego County | Inland flooding | |
| Orange County | Earthquake | |
| Riverside County | Inland flooding | |
| San Bernardino County | Inland flooding | |
| Santa Clara County | Earthquake | |
| Alameda County | Earthquake | |
| Sacramento County | Inland flooding |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Sacramento County | 21 | |
| San Joaquin County | 23 | |
| El Dorado County | 25 | |
| Calaveras County | 22 | |
| Alpine County | 13 |
Common questions about Amador County
What is the biggest natural hazard in Amador County?
Wildfire has the highest expected yearly losses in Amador County, about $14.1 million a year in FEMA's estimate. Inland flooding is second at $12.5 million.
How many federal disasters has Amador County had?
Amador County has been included in 19 federal disaster or emergency declarations for natural events since 1964, including 14 major disasters. The most recent was Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides in April 2023.
Is Amador County a high-risk place to live?
Its overall rating is Relatively Low, 52nd highest of 58 in California. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Amador County?
Standard home insurance does not cover flooding. About 1 in 167 homes in Amador County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Amador County had?
NOAA records list 0 tornadoes in Amador County since 1950. The weather service has also logged 2 hail reports and 14 floods here.
Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.