Risk Index · Sacramento County · 2026-06-13
Sacramento, CA real-estate risk
- Risk score
- 98.1/100
- Relatively High
- Expected annual loss
- $352M
- all hazards, county-wide
- Buildings-only loss
- $303M
- what owners and insurers carry
- Population
- 1.6M
- Sacramento County
Sacramento, CA (Sacramento County) carries a FEMA National Risk Index score of 98.1/100, rated "Relatively High" and driven mainly by drought and riverine flood, with roughly $352M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Drought99.4
- Riverine flood99
- Earthquake98.9
- Heat wave96.1
- Wildfire95.9
- Tornado65
- Hail53.9
- Strong wind7.6
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Wildfire is the binding insurance line here. Top-percentile wildfire risk is exactly where carriers are non-renewing and FAIR-Plan pricing (often 2–3× admitted rates) kicks in. Underwrite a real insurance quote before the cap rate.
Sacramento risk questions
Is Sacramento, CA a high-risk area for real estate?
Sacramento scores 98.1/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $352M per year.
What is the biggest natural hazard in Sacramento?
The highest-rated hazard is drought (99.4/100), followed by riverine flood (99/100).
How does hazard risk affect property insurance in Sacramento?
Wildfire is the binding insurance line here. Top-percentile wildfire risk is exactly where carriers are non-renewing and FAIR-Plan pricing (often 2–3× admitted rates) kicks in. Underwrite a real insurance quote before the cap rate.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.