Flood history · Carmel Valley, CA 93924
Flood insurance claims in Carmel Valley, CA 93924
257 claims since 1978 and $3.3 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 93924 since 1978.
What the record says
87% of claims were on properties in high-risk zones and 13% outside them.
One event dominates the record: Unnamed flooding accounts for 72% of all claims in this ZIP code.
29 claims were filed in the last 10 years.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Monterey County * 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 | 185 | 72% |
| Pineapple Express - Southern | 1998 | 36 | 14% |
| California Atmospheric River | 2023 | 16 | 6% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Monterey County
Flood, hurricane and storm declarations since 2000.
9 flood, storm or hurricane declarations for Monterey County since 2000.
Check a specific address in Carmel Valley.
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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