Flood history · Santa Margarita, CA 93453
Flood insurance claims in Santa Margarita, CA 93453
78 claims since 1993 and $1.1 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 93453 since 1978.
What the record says
About 47% 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 28% of claims.
11 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.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1995 | 22 | 28% |
| Pineapple Express - Southern | 1998 | 17 | 22% |
| California Atmospheric River | 2023 | 10 | 13% |
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 Santa Margarita.
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.
All California ZIP codes · All states · Flood zones explained