El Dorado Hills, California: natural disaster risk
How exposed El Dorado Hills is to floods, storms and other hazards, from FEMA and NOAA records for El Dorado County.
El Dorado Hills is a community of 51,026 people in El Dorado County, California. FEMA's National Risk Index rates El Dorado County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, wildfire and earthquake, with about $124 million in expected losses a year across the county. The weather service has logged 239 storm reports in the county since 1972, including 5 tornadoes and 54 floods. About 0.3% of homes in the county carry federal flood insurance.
Risk figures are for El Dorado County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in El Dorado Hills
Full El Dorado County report ›- 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.
- Clear dry plants and debris within 5 feet of the house.
- Get home insurance quotes early; availability varies by area.
- Ask whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $56M | |
| Wildfire | $55M | |
| Earthquake | $8M | |
| Avalanche | $1M | |
| Heat wave | $1M | |
| Drought | $933K | |
| Lightning | $577K | |
| Winter weather | $345K | |
| Landslide | $336K | |
| Strong wind | $198K | |
| Tornado | $143K | |
| Hail | $81K |
Homes in El Dorado Hills
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in El Dorado County
Other cities in California
All ›Common questions about El Dorado Hills
Is El Dorado Hills safe from natural disasters?
El Dorado Hills is in El Dorado County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, wildfire, earthquake. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in El Dorado Hills?
By expected yearly losses in El Dorado County, the top hazards are inland flooding (Moderate), wildfire (High), earthquake (Moderate). El Dorado County has been part of 25 federal disaster or emergency declarations for natural events.
Does El Dorado Hills get tornadoes?
Yes. NOAA records list 5 tornadoes in El Dorado County since 1950; the strongest was an EF1 tornado on December 24, 2015 near Clarksville. FEMA rates tornado risk in the county very low.
Do I need flood insurance in El Dorado Hills?
Standard home insurance does not cover floods. In El Dorado County, about 0.3% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.