Risk Index · San Joaquin County · 2026-06-13
Stockton, CA real-estate risk
- Risk score
- 98.6/100
- Relatively High
- Expected annual loss
- $422M
- all hazards, county-wide
- Buildings-only loss
- $260M
- what owners and insurers carry
- Population
- 779K
- San Joaquin County
Stockton, CA (San Joaquin County) carries a FEMA National Risk Index score of 98.6/100, rated "Relatively High" and driven mainly by drought and earthquake, with roughly $422M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Drought99.9
- Earthquake99.3
- Riverine flood97.7
- Heat wave97.4
- Wildfire92
- Hail54.7
- Tornado49
- Strong wind38
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.
Stockton risk questions
Is Stockton, CA a high-risk area for real estate?
Stockton scores 98.6/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $422M per year.
What is the biggest natural hazard in Stockton?
The highest-rated hazard is drought (99.9/100), followed by earthquake (99.3/100).
How does hazard risk affect property insurance in Stockton?
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.