Flood history · Fair Oaks, CA 95628
Flood insurance claims in Fair Oaks, CA 95628
57 claims since 1978 and $709,902 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 95628 since 1978.
What the record says
About 70% 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 54% of all claims in this ZIP code.
2 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.
Sacramento County * takes part in FEMA's Community Rating System (class 2), which can lower flood insurance premiums by up to 40% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1995 | 31 | 54% |
| Pineapple Express - Southern | 1998 | 4 | 7% |
| California Atmospheric River | 2022 | 1 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Sacramento County
Flood, hurricane and storm declarations since 2000.
9 flood, storm or hurricane declarations for Sacramento County since 2000.
Check a specific address in Fair Oaks.
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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