San Francisco County
California — Natural Disaster Risk Assessment
Very HighComposite Risk Score
National percentile: 100th
San Francisco County faces very high composite natural disaster risk (NRI Risk Index score 99.5, 100th national percentile), driven primarily by earthquake and riverine flood exposure. Expected annual loss across all 18 hazard types is $853M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Earthquake | Very High | 0.10 / yr | $662M |
| Riverine Flood | High | 1.61 / yr | $178M |
| Landslide | High | 0.22 / yr | $829K |
| Heat Wave | Medium | 3.46 / yr | $5M |
| Tsunami | Medium | 0.34 / yr | $6M |
| Drought | Medium | 26.45 / yr | $488K |
| Coastal Flood | Medium | 1.00 / yr | $638K |
| Tornado | Low | 0.01 / yr | $652K |
| Lightning | Low | 3.80 / yr | $104K |
| Wildfire | Very Low | 0.00 / yr | $13K |
| Volcanic Activity | Very Low | 0.00 / yr | $1 |
| Hail | Very Low | 0.02 / yr | $62K |
| Strong Wind | Very Low | 0.03 / yr | $74K |
| Winter Weather | Very Low | 0.00 / yr | $0 |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Cold Wave | Very Low | 0.00 / yr | $0 |
| Hurricane | Very Low | 0.00 / yr | $0 |
| Ice Storm | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for San Francisco County?
San Francisco County has a composite FEMA National Risk Index score of 99.5 out of 100, placing it in the Very High category and the 100th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in San Francisco County?
The three highest-rated hazards are Earthquake (Very High, $662M EAL), Riverine Flood (High, $178M EAL), Landslide (High, $829K EAL). These account for most of the county's expected annual losses.
How does San Francisco County compare to other California counties?
San Francisco County ranks #9 of 58 California counties for overall natural disaster risk, with a very high rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. San Francisco County's $853M EAL is a statistical average, not a guarantee for any specific year or address.