Flood history · San Luis Obispo, CA 93405
Flood insurance claims in San Luis Obispo, CA 93405
67 claims since 1978 and $743,487 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 93405 since 1978.
What the record says
About 63% 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.
One event dominates the record: Unnamed flooding accounts for 51% of all claims in this ZIP code.
12 claims were filed in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
San Luis Obispo, City Of takes part in FEMA's Community Rating System (class 7), which can lower flood insurance premiums by up to 15% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1995 | 34 | 51% |
| California Atmospheric River | 2023 | 11 | 16% |
| Pineapple Express - Southern | 1998 | 3 | 4% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in San Luis Obispo County
Flood, hurricane and storm declarations since 2000.
11 flood, storm or hurricane declarations for San Luis Obispo County since 2000.
Check a specific address in San Luis Obispo.
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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