Tracy, California: natural disaster risk
How exposed Tracy is to floods, storms and other hazards, from FEMA and NOAA records for San Joaquin County.
Tracy is a city of 96,966 people in San Joaquin County, California. FEMA's National Risk Index rates San Joaquin County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are earthquake, inland flooding and drought, with about $422 million in expected losses a year across the county. The weather service has logged 102 storm reports in the county since 1967, including 19 tornadoes and 53 floods. About 1.8% of homes in the county carry federal flood insurance.
Risk figures are for San Joaquin County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Tracy
Full San Joaquin County report ›- Ask whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
- 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 hazards
| Hazard | Rating | A year |
|---|---|---|
| Earthquake | $184M | |
| Inland flooding | $138M | |
| Drought | $83M | |
| Heat wave | $11M | |
| Wildfire | $2M | |
| Lightning | $2M | |
| Tornado | $1M | |
| Strong wind | $384K | |
| Hail | $316K | |
| Winter weather | $49K | |
| Landslide | $3K | |
| Volcanic activity | $515 |
Homes in Tracy
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 San Joaquin County
More cities in San Joaquin County
Other cities in California
All ›Common questions about Tracy
Is Tracy safe from natural disasters?
Tracy is in San Joaquin County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are earthquake, inland flooding, drought. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Tracy?
By expected yearly losses in San Joaquin County, the top hazards are earthquake (High), inland flooding (High), drought (Very High). San Joaquin County has been part of 23 federal disaster or emergency declarations for natural events.
Does Tracy get tornadoes?
Yes. NOAA records list 19 tornadoes in San Joaquin County since 1950; the strongest was an F1 tornado on April 19, 1988. FEMA rates tornado risk in the county low.
Do I need flood insurance in Tracy?
Standard home insurance does not cover floods. In San Joaquin County, about 1.8% 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.