Napa, California: natural disaster risk
How exposed Napa is to floods, storms and other hazards, from FEMA and NOAA records for Napa County.
Napa is a city of 78,239 people in Napa County, California. FEMA's National Risk Index rates Napa County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are inland flooding, earthquake and drought, with about $186 million in expected losses a year across the county. The weather service has logged 93 storm reports in the county since 1958, including 1 tornadoes and 49 floods. About 1.9% of homes in the county carry federal flood insurance.
Risk figures are for Napa County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Napa
Full Napa 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.
- Ask whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
- Check local water restrictions.
- Choose drought-tolerant plants.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $90M | |
| Earthquake | $67M | |
| Drought | $21M | |
| Wildfire | $5M | |
| Landslide | $1M | |
| Coastal flooding | $987K | |
| Heat wave | $794K | |
| Tornado | $211K | |
| Lightning | $110K | |
| Strong wind | $61K | |
| Hail | $25K | |
| Tsunami | $3K |
Homes in Napa
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 Napa County
Other cities in California
All ›Common questions about Napa
Is Napa safe from natural disasters?
Napa is in Napa County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are inland flooding, earthquake, drought. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Napa?
By expected yearly losses in Napa County, the top hazards are inland flooding (High), earthquake (High), drought (Very High). Napa County has been part of 37 federal disaster or emergency declarations for natural events.
Does Napa get tornadoes?
Yes. NOAA records list 1 tornadoes in Napa County since 1950; the strongest was an EF0 tornado on April 27, 2016 near Oak Knoll. FEMA rates tornado risk in the county very low.
Do I need flood insurance in Napa?
Standard home insurance does not cover floods. In Napa County, about 1.9% 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.