Lincoln, California: natural disaster risk
How exposed Lincoln is to floods, storms and other hazards, from FEMA and NOAA records for Placer County.
Lincoln is a city of 52,956 people in Placer County, California. FEMA's National Risk Index rates Placer County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, wildfire and earthquake, with about $163 million in expected losses a year across the county. The weather service has logged 166 storm reports in the county since 1957, including 6 tornadoes and 63 floods. About 0.6% of homes in the county carry federal flood insurance.
Risk figures are for Placer County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Lincoln
Full Placer 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 | $107M | |
| Wildfire | $25M | |
| Earthquake | $19M | |
| Avalanche | $7M | |
| Drought | $2M | |
| Heat wave | $1M | |
| Lightning | $983K | |
| Tornado | $387K | |
| Strong wind | $245K | |
| Hail | $118K | |
| Winter weather | $73K | |
| Landslide | $40K |
Homes in Lincoln
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 Placer County
More cities in Placer County
Other cities in California
All ›Common questions about Lincoln
Is Lincoln safe from natural disasters?
Lincoln is in Placer 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 Lincoln?
By expected yearly losses in Placer County, the top hazards are inland flooding (High), wildfire (High), earthquake (Moderate). Placer County has been part of 24 federal disaster or emergency declarations for natural events.
Does Lincoln get tornadoes?
Yes. NOAA records list 6 tornadoes in Placer County since 1950; the strongest was an F1 tornado on March 22, 1983. FEMA rates tornado risk in the county very low.
Do I need flood insurance in Lincoln?
Standard home insurance does not cover floods. In Placer County, about 0.6% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.