Flood history · Morro Bay, CA 93442
Flood insurance claims in Morro Bay, CA 93442
51 claims since 1978 and $1.3 million 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 93442 since 1978.
What the record says
About 38% 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, California Atmospheric River, accounts for 35% of claims.
Flooding here is recent: 22 claims (43%) were 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.
Morro Bay, 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 |
|---|---|---|---|
| California Atmospheric River | 2023 | 18 | 35% |
| Unnamed flooding | 1995 | 14 | 27% |
| Pineapple Express - Southern | 1998 | 5 | 10% |
| February California Atmospheric River | 2024 | 1 | 2% |
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 Morro Bay.
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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