Flood history · Aptos, CA 95003
Flood insurance claims in Aptos, CA 95003
318 claims since 1978 and $5.7 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 95003 since 1978.
What the record says
78% of claims were on properties in high-risk zones and 22% outside them.
One event dominates the record: Unnamed flooding accounts for 42% of all claims in this ZIP code.
49 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.
Santa Cruz County * takes part in FEMA's Community Rating System (class 8), which can lower flood insurance premiums by up to 10% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1980 | 135 | 42% |
| California Atmospheric River | 2023 | 30 | 9% |
| Pineapple Express - Southern | 1998 | 16 | 5% |
| December California Flooding | 2023 | 4 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Santa Cruz County
Flood, hurricane and storm declarations since 2000.
11 flood, storm or hurricane declarations for Santa Cruz County since 2000.
Check a specific address in Aptos.
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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