Flood history · California

Flood insurance claims in California

52,960 claims and $753.9 million paid since 1978. Find your ZIP code.

52,960claims since 1978

$753.9 millionpaid to policyholders

222ZIP codes with 50+ claims

Claims by year

Biggest flood events

Event (top events per ZIP)	Year	Claims
Unnamed flooding	1982	19,753
Pineapple Express - Southern	1998	6,087
California Atmospheric River	2023	1,964
Winter storm	2010	250
Mid-Winter California Flooding	2018	207
San Diego Flooding	2024	199
February California Atmospheric River	2024	182
Tropical Storm Hilary	2023	97

California ZIP codes by flood claims

ZIP codes with at least 50 claims. Select one for its full history.

ZIP	Place	County	Claims	Paid	Last 10 yrs
95446	Guerneville	Sonoma	3,952	$69.4 million	569
90265	Malibu	Los Angeles	2,062	$24.1 million	104
95462	Monte Rio	Sonoma	1,090	$21.7 million	150
95436	Forestville	Sonoma	855	$16.1 million	114
94559	Napa	Napa	723	$14.7 million	3
95453	Lakeport	Lake	715	$7.7 million	54
93923	Carmel	Monterey	623	$16.8 million	17
92646	Huntington Beach	Orange	614	$1.9 million	6
95076	Watsonville	Santa Cruz	562	$20.4 million	285
94901	San Rafael	Marin	494	$6.2 million	36
93108	Santa Barbara	Santa Barbara	481	$21.9 million	247
94952	Petaluma	Sonoma	457	$8.2 million	9
94558	Napa	Napa	436	$11.1 million	13
90210	Beverly Hills	Los Angeles	435	$3.0 million	32
92651	Laguna Beach	Orange	429	$6.7 million	25
93001	Ventura	Ventura	402	$7.1 million	60
90049	Los Angeles	Los Angeles	391	$4.0 million	47
94941	Mill Valley	Marin	388	$3.7 million	23
94947	Novato	Marin	363	$2.8 million	10
94303	Palo Alto	San Mateo	349	$8.1 million	10
95003	Aptos	Santa Cruz	318	$5.7 million	49
94960	San Anselmo	Marin	315	$12.9 million	26
95823	Sacramento	Sacramento	306	$2.8 million	6
90046	Los Angeles	Los Angeles	300	$1.5 million	27
95822	Sacramento	Sacramento	291	$746,364	8
92260	Palm Desert	Riverside	278	$1.3 million	3
95673	Rio Linda	Sacramento	278	$4.8 million	14
95018	Felton	Santa Cruz	271	$3.9 million	47
94903	San Rafael	Marin	270	$1.6 million	9
91301	Agoura Hills	Los Angeles	268	$3.6 million	35
93924	Carmel Valley	Monterey	257	$3.3 million	29
90272	Pacific Palisades	Los Angeles	256	$2.0 million	13
92704	Santa Ana	Orange	252	$703,652	3
90077	Los Angeles	Los Angeles	246	$2.8 million	21
92708	Fountain Valley	Orange	237	$208,545	4
94957	Ross	Marin	236	$9.0 million	9
95833	Sacramento	Sacramento	230	$1.6 million	39
95901	Marysville	Yuba	224	$6.9 million	11
95661	Roseville	Placer	216	$8.1 million	2
96080	Red Bluff	Tehama	213	$3.7 million	22
91403	Sherman Oaks	Los Angeles	211	$1.5 million	9
94904	Greenbrae	Marin	202	$4.4 million	20
91436	Encino	Los Angeles	201	$1.3 million	15
92530	Lake Elsinore	Riverside	200	$2.0 million	8
95060	Santa Cruz	Santa Cruz	193	$3.0 million	39
95825	Sacramento	Sacramento	190	$4.6 million	17
95348	Merced	Merced	188	$6.5 million	70
91302	Calabasas	Los Angeles	187	$1.5 million	21
94553	Martinez	Contra Costa	187	$1.4 million	32
91364	Woodland Hills	Los Angeles	181	$958,268	17
90068	Los Angeles	Los Angeles	180	$1.4 million	31
93013	Carpinteria	Santa Barbara	178	$2.8 million	35
92683	Westminster	Orange	176	$495,008	2
94301	Palo Alto	Santa Clara	175	$1.8 million	8
91423	Sherman Oaks	Los Angeles	172	$674,750	20
94925	Corte Madera	Marin	172	$2.0 million	37
92647	Huntington Beach	Orange	166	$559,045	12
93023	Ojai	Ventura	166	$2.0 million	21
91604	Studio City	Los Angeles	160	$912,561	13
95422	Clearlake	Lake	156	$1.2 million	19
93101	Santa Barbara	Santa Barbara	156	$2.2 million	41
92663	Newport Beach	Orange	156	$546,332	6
95423	Clearlake Oaks	Lake	153	$617,378	14
93103	Santa Barbara	Santa Barbara	153	$1.8 million	33
90803	Long Beach	Los Angeles	151	$429,620	23
90290	Topanga	Los Angeles	149	$957,393	4
95116	San Jose	Santa Clara	146	$3.1 million	102
95837	Sacramento	Sacramento	146	$2.0 million	26
95988	Willows	Glenn	144	$1.6 million	10
95838	Sacramento	Sacramento	143	$1.0 million	8
94970	Stinson Beach	Marin	141	$2.3 million	10
92109	San Diego	San Diego	139	$1.1 million	21
95341	Merced	Merced	139	$3.3 million	52
92014	Del Mar	San Diego	139	$1.4 million	7
92649	Huntington Beach	Orange	136	$557,804	10
95690	Walnut Grove	Sacramento	135	$3.0 million	18
95112	San Jose	Santa Clara	133	$4.6 million	54
91356	Tarzana	Los Angeles	133	$755,339	10
94930	Fairfax	Marin	131	$2.0 million	7
91316	Encino	Los Angeles	131	$753,510	4
90069	West Hollywood	Los Angeles	130	$670,155	10
95006	Boulder Creek	Santa Cruz	127	$738,060	18
95653	Madison	Yolo	127	$1.5 million	10
95448	Healdsburg	Sonoma	126	$2.1 million	23
95610	Citrus Heights	Sacramento	126	$1.3 million	8
92113	San Diego	San Diego	125	$10.5 million	101
95472	Sebastopol	Sonoma	125	$2.2 million	9
92264	Palm Springs	Riverside	125	$801,659	18
95973	Chico	Butte	124	$2.9 million	32
94010	Burlingame	San Mateo	124	$2.8 million	38
94044	Pacifica	San Mateo	122	$1.1 million	9
95864	Sacramento	Sacramento	121	$906,062	11
92054	Oceanside	San Diego	120	$1.8 million	9
94920	Belvedere Tiburon	Marin	119	$1.2 million	10
95746	Granite Bay	Placer	118	$3.4 million	6
95831	Sacramento	Sacramento	118	$201,167	12
95816	Sacramento	Sacramento	118	$711,240	3
95818	Sacramento	Sacramento	114	$292,789	9
95023	Hollister	San Benito	112	$3.7 million	74
90740	Seal Beach	Orange	112	$1.6 million	10
95815	Sacramento	Sacramento	111	$495,040	4
94574	Saint Helena	Napa	111	$3.3 million	7
92037	La Jolla	San Diego	109	$1.7 million	26
95482	Ukiah	Mendocino	109	$1.9 million	7
95819	Sacramento	Sacramento	109	$359,498	6
90048	Los Angeles	Los Angeles	108	$484,255	5
93060	Santa Paula	Ventura	108	$891,136	14
95932	Colusa	Colusa	107	$2.1 million	0
93401	San Luis Obispo	San Luis Obispo	105	$806,977	24
92064	Poway	San Diego	104	$987,250	14
95641	Isleton	Sacramento	102	$1.7 million	7
92270	Rancho Mirage	Riverside	102	$594,655	5
94939	Larkspur	Marin	101	$1.7 million	17
92262	Palm Springs	Riverside	100	$347,797	10
95010	Capitola	Santa Cruz	98	$2.4 million	15
95005	Ben Lomond	Santa Cruz	98	$513,967	11
92843	Garden Grove	Orange	98	$149,078	4
95834	Sacramento	Sacramento	97	$1.5 million	28
92277	Twentynine Palms	San Bernardino	96	$1.9 million	33
94563	Orinda	Contra Costa	95	$802,070	8
95608	Carmichael	Sacramento	95	$779,162	9
95421	Cazadero	Sonoma	95	$1.1 million	23
92040	Lakeside	San Diego	94	$809,968	4
92626	Costa Mesa	Orange	94	$159,962	2
95037	Morgan Hill	Santa Clara	94	$809,314	17
95110	San Jose	Santa Clara	94	$641,269	7
95476	Sonoma	Sonoma	93	$2.3 million	13
95125	San Jose	Santa Clara	92	$661,230	4
92676	Silverado	Orange	92	$666,445	12
92404	San Bernardino	San Bernardino	92	$1.1 million	1
94060	Pescadero	San Mateo	89	$1.0 million	8
95451	Kelseyville	Lake	89	$928,086	11
94590	Vallejo	Solano	88	$731,257	10
91977	Spring Valley	San Diego	87	$1.3 million	28
94080	South San Francisco	San Mateo	86	$3.7 million	7
95826	Sacramento	Sacramento	86	$242,014	4
91387	Canyon Country	Los Angeles	86	$892,050	40
95820	Sacramento	Sacramento	86	$268,763	6
95073	Soquel	Santa Cruz	85	$1.1 million	20
95688	Vacaville	Solano	85	$3.1 million	6
93117	Goleta	Santa Barbara	84	$1.1 million	7
95340	Merced	Merced	83	$877,552	38
95961	Olivehurst	Yuba	83	$1.2 million	7
93105	Santa Barbara	Santa Barbara	82	$646,002	11
93022	Oak View	Ventura	82	$784,698	3
95621	Citrus Heights	Sacramento	81	$927,705	1
94806	San Pablo	Contra Costa	80	$504,596	5
90035	Los Angeles	Los Angeles	79	$393,521	4
92703	Santa Ana	Orange	79	$208,629	5
94595	Walnut Creek	Contra Costa	79	$1.1 million	7
95485	Upper Lake	Lake	78	$1.4 million	15
93453	Santa Margarita	San Luis Obispo	78	$1.1 million	11
94965	Sausalito	Marin	77	$1.6 million	10
92672	San Clemente	Orange	76	$599,851	5
95928	Chico	Butte	75	$1.4 million	12
95430	Duncans Mills	Sonoma	75	$1.1 million	13
94945	Novato	Marin	74	$324,088	2
94070	San Carlos	San Mateo	74	$2.3 million	17
90019	Los Angeles	Los Angeles	74	$87,323	7
95002	Alviso	Santa Clara	73	$1.4 million	1
94549	Lafayette	Contra Costa	72	$185,975	4
95678	Roseville	Placer	70	$1.5 million	1
96055	Los Molinos	Tehama	69	$652,103	4
96090	Tehama	Tehama	69	$554,281	0
96002	Redding	Shasta	68	$1.3 million	11
96150	South Lake Tahoe	El Dorado	68	$1.0 million	14
94509	Antioch	Contra Costa	68	$3.0 million	14
95046	San Martin	Santa Clara	67	$651,304	17
93405	San Luis Obispo	San Luis Obispo	67	$743,487	12
95035	Milpitas	Santa Clara	67	$60,411	2
94063	Redwood City	San Mateo	67	$2.3 million	46
94596	Walnut Creek	Contra Costa	67	$867,876	9
95841	Sacramento	Sacramento	67	$1.0 million	0
94585	Suisun City	Solano	66	$478,802	2
95991	Yuba City	Sutter	65	$731,039	27
92276	Thousand Palms	Riverside	64	$1.2 million	26
95693	Wilton	Sacramento	64	$846,241	16
90047	Los Angeles	Los Angeles	63	$32,004	4
92624	Capistrano Beach	Orange	63	$714,644	18
95458	Lucerne	Lake	63	$339,333	9
95757	Elk Grove	Sacramento	63	$2.3 million	43
92065	Ramona	San Diego	62	$586,266	13
95365	Planada	Merced	62	$2.3 million	57
92120	San Diego	San Diego	61	$2.1 million	9
92660	Newport Beach	Orange	61	$413,055	3
95471	Rio Nido	Sonoma	61	$795,195	0
94611	Oakland	Alameda	61	$160,751	7
91367	Woodland Hills	Los Angeles	61	$531,719	3
95337	Manteca	San Joaquin	60	$2.1 million	2
94523	Pleasant Hill	Contra Costa	60	$503,130	11
95360	Newman	Stanislaus	60	$859,667	7
95687	Vacaville	Solano	59	$1.2 million	12
92210	Indian Wells	Riverside	59	$3.8 million	5
91042	Tujunga	Los Angeles	59	$232,816	0
94956	Point Reyes Station	Marin	58	$884,891	2
92121	San Diego	San Diego	58	$2.5 million	7
93065	Simi Valley	Ventura	57	$100,324	8
92253	La Quinta	Riverside	57	$3.0 million	10
94025	Menlo Park	San Mateo	57	$1.6 million	12
92004	Borrego Springs	San Diego	57	$1.5 million	4
95628	Fair Oaks	Sacramento	57	$709,902	2
91040	Sunland	Los Angeles	56	$276,154	4
91011	La Canada Flintridge	Los Angeles	56	$1.7 million	10
91950	National City	San Diego	55	$4.1 million	34
94030	Millbrae	San Mateo	55	$419,990	11
96021	Corning	Tehama	55	$472,397	6
90016	Los Angeles	Los Angeles	54	$61,610	5
94571	Rio Vista	Solano	54	$867,809	1
93035	Oxnard	Ventura	54	$244,316	4
95464	Nice	Lake	53	$472,326	10
95691	West Sacramento	Yolo	53	$53,291	3
95304	Tracy	San Joaquin	53	$1.1 million	11
92108	San Diego	San Diego	53	$986,862	10
95401	Santa Rosa	Sonoma	52	$912,358	9
94533	Fairfield	Solano	52	$554,250	2
95252	Valley Springs	Calaveras	52	$1.8 million	20
96007	Anderson	Shasta	52	$433,446	7
90805	Long Beach	Los Angeles	52	$187,410	4
93442	Morro Bay	San Luis Obispo	51	$1.3 million	22
94605	Oakland	Alameda	51	$266,568	11
95616	Davis	Yolo	51	$672,198	8
95824	Sacramento	Sacramento	50	$96,635	3

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Official FEMA flood zone, elevation and claims history for one property.

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Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.