San Mateo County Disaster Risk

San Mateo County, California

FEMA Risk Rating

Relatively High

National Percentile

99th

of 3,144 counties

State Rank

#12

of 58 (1 = highest risk)

Flood Risk

98th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively High

Higher than 98% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Moderate

Higher than 92% of US counties

Tornado

Tornado and severe thunderstorm risk

Very Low

Higher than 31% of US counties

Earthquake

Seismic activity and ground shaking risk

Very High

Higher than 100% of US counties

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Frequently Asked Questions

What is the natural disaster risk in San Mateo County, CA?
San Mateo County has a FEMA National Risk Index rating of Relatively High, placing it in the 99th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect San Mateo County?
San Mateo County is evaluated for five major natural hazard types: earthquake (100th percentile), flooding (98th percentile), wildfire (92th percentile), tornado (31th percentile). The highest-risk hazard is earthquake at the 100th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does San Mateo County risk compare to the California average?
San Mateo County's composite risk percentile is 99th, compared to the California state average of 89th percentile. The state's overall risk rating is Relatively Moderate. This means San Mateo County faces higher natural disaster risk than the typical county in California.
Is San Mateo County at risk for earthquake?
Yes, San Mateo County's earthquake risk is at the 100th percentile nationally. This places it in the top quartile for this hazard type. For flooding specifically, San Mateo County is at the 98th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Why is San Mateo County higher risk than average?
San Mateo County's composite risk score of 99th percentile is above the California state average of 89th percentile. This elevated risk is driven by earthquake exposure (100th percentile), along with flooding and wildfire risk. Geographic location, terrain, climate patterns, and proximity to flood zones or fault lines all influence a county's risk profile.

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.