Flood history · Capistrano Beach, CA 92624
Flood insurance claims in Capistrano Beach, CA 92624
63 claims since 1983 and $714,644 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 92624 since 1978.
What the record says
About 30% of claims here were on properties rated outside high-risk zones (zones X, B or C). A lower-risk zone on the map is not a guarantee.
Losses are spread across many events; the largest, Unnamed flooding, accounts for 29% of claims.
18 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Orange County * takes part in FEMA's Community Rating System (class 5), which can lower flood insurance premiums by up to 25% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1988 | 18 | 29% |
| Pineapple Express - Southern | 1998 | 7 | 11% |
| Winter storm | 2010 | 2 | 3% |
| California Atmospheric River | 2023 | 1 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Orange County
Flood, hurricane and storm declarations since 2000.
7 flood, storm or hurricane declarations for Orange County since 2000.
Check a specific address in Capistrano Beach.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
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.
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