Natural Disaster Risk
San Bernardino, CA
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— San Bernardino
🌊 Flood Risk — San Bernardino
San Bernardino has a flood risk score of 99/100, classified as Very High. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — San Bernardino
Tornado risk score: 10/100 — Very Low. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — San Bernardino
Earthquake risk score: 90/100 — Very High. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — San Bernardino
Wildfire risk score: 92/100 — Very High. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
💰 What This Means for Home Insurance in San Bernardino
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase NFIP coverage. Flood insurance is strongly recommended in this area.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required. Given the elevated risk, this coverage is worth considering.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or surcharges. Review your policy limits.
📍 Nearby Cities in California
❓ Frequently Asked Questions — San Bernardino
Is San Bernardino in a flood zone?
San Bernardino has a flood risk score of 99/100, classified as Very High. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does San Bernardino get tornadoes?
San Bernardino has a tornado risk score of 10/100. Tornadoes are rare in this area.
What is the earthquake risk in San Bernardino?
San Bernardino has an earthquake risk score of 90/100 (Very High), based on USGS seismic hazard assessments and historical earthquake data.
Is San Bernardino at risk for wildfires?
San Bernardino's wildfire risk score is 92/100 (Very High), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in San Bernardino?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to San Bernardino.