Flood history / California
California
flood claim history.
ZIP codes114100+ paid claims each
Paid claims31,4951978–2026
Total paid$486.7MNational Flood Insurance Program
Outside high-risk zone28%of claims with a rated zone
Across the 114 California ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $486.7M on 31,495 claims between 1978 and 2026. ZIP 95446 in Sonoma County carries the most at 3,951, 12.5% of the state total shown here.
The events driving the most paid claims across these ZIPs are Pineapple Express - Southern (3,563 claims), California Atmospheric River (867 claims) and Mid-Winter California Flooding (169 claims).
28.3% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every California ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 95446 | Sonoma County | 3,951 | $69.7M | 1995 903 |
| 90265 | Los Angeles County | 2,062 | $24.1M | 1983 505 |
| 95462 | Sonoma County | 1,090 | $21.7M | 1995 290 |
| 95436 | Sonoma County | 855 | $16.2M | 1995 242 |
| 94559 | Napa County | 723 | $14.7M | 2005 212 |
| 95453 | Lake County | 715 | $7.9M | 1998 245 |
| 93923 | Monterey County | 623 | $16.8M | 1995 378 |
| 92646 | Orange County | 614 | $1.9M | 1983 142 |
| 95076 | Santa Cruz County | 562 | $20.5M | 2023 195 |
| 94901 | Marin County | 494 | $6.2M | 1983 126 |
| 93108 | Santa Barbara County | 481 | $21.9M | 2018 169 |
| 94952 | Sonoma County | 457 | $8.2M | 1998 127 |
| 94558 | Napa County | 436 | $11.1M | 1995 165 |
| 90210 | Los Angeles County | 435 | $3.0M | 1980 74 |
| 92651 | Orange County | 428 | $6.7M | 1998 93 |
| 93001 | Ventura County | 402 | $7.1M | 2005 79 |
| 90049 | Los Angeles County | 391 | $4.0M | 1980 88 |
| 94941 | Marin County | 388 | $3.8M | 1982 88 |
| 94947 | Marin County | 363 | $2.9M | 1982 128 |
| 94303 | Santa Clara County | 349 | $8.2M | 1998 288 |
| 95003 | Santa Cruz County | 318 | $5.7M | 1983 107 |
| 94960 | Marin County | 315 | $13.0M | 2005 154 |
| 95823 | Sacramento County | 306 | $2.8M | 1995 205 |
| 90046 | Los Angeles County | 300 | $1.5M | 1980 57 |
| 95822 | Sacramento County | 291 | $755K | 1995 141 |
| 92260 | Riverside County | 278 | $1.3M | 1979 112 |
| 95673 | Sacramento County | 278 | $4.8M | 1995 109 |
| 95018 | Santa Cruz County | 271 | $3.9M | 1998 77 |
| 94903 | Marin County | 270 | $1.6M | 1983 116 |
| 91301 | Los Angeles County | 268 | $3.6M | 1998 58 |
| 93924 | Monterey County | 257 | $3.3M | 1995 173 |
| 90272 | Los Angeles County | 256 | $2.0M | 1988 80 |
| 92704 | Orange County | 252 | $704K | 1995 83 |
| 90077 | Los Angeles County | 246 | $2.8M | 1998 46 |
| 92708 | Orange County | 237 | $209K | 1995 56 |
| 94957 | Marin County | 236 | $9.1M | 2005 97 |
| 95833 | Sacramento County | 230 | $1.6M | 1995 52 |
| 95901 | Yuba County | 224 | $6.9M | 1997 103 |
| 95661 | Placer County | 216 | $8.1M | 1995 146 |
| 96080 | Tehama County | 213 | $3.7M | 2014 58 |
| 91403 | Los Angeles County | 211 | $1.5M | 1980 51 |
| 94904 | Marin County | 202 | $4.4M | 2005 53 |
| 91436 | Los Angeles County | 201 | $1.3M | 1980 45 |
| 92530 | Riverside County | 200 | $2.0M | 1980 116 |
| 95060 | Santa Cruz County | 193 | $3.0M | 1998 49 |
| 95825 | Sacramento County | 190 | $4.6M | 1995 62 |
| 95348 | Merced County | 188 | $6.3M | 2006 75 |
| 91302 | Los Angeles County | 187 | $1.5M | 1998 34 |
| 94553 | Contra Costa County | 187 | $1.4M | 2005 33 |
| 91364 | Los Angeles County | 181 | $978K | 1998 53 |
| 90068 | Los Angeles County | 180 | $1.4M | 1980 25 |
| 93013 | Santa Barbara County | 178 | $2.8M | 1983 58 |
| 92683 | Orange County | 176 | $495K | 1995 71 |
| 94301 | Santa Clara County | 175 | $1.8M | 1998 140 |
| 91423 | Los Angeles County | 172 | $675K | 1980 34 |
| 94925 | Marin County | 172 | $2.0M | 1982 58 |
| 92647 | Orange County | 166 | $559K | 1995 40 |
| 93023 | Ventura County | 166 | $2.0M | 2005 44 |
| 91604 | Los Angeles County | 160 | $913K | 1998 36 |
| 92663 | Orange County | 156 | $523K | 1995 33 |
| 93101 | Santa Barbara County | 156 | $2.2M | 1995 63 |
| 95422 | Lake County | 156 | $1.3M | 1998 61 |
| 93103 | Santa Barbara County | 153 | $1.8M | 1995 73 |
| 95423 | Lake County | 153 | $617K | 1998 83 |
| 90803 | Los Angeles County | 151 | $430K | 1995 26 |
| 90290 | Los Angeles County | 149 | $1.1M | 1995 34 |
| 95116 | Santa Clara County | 146 | $3.1M | 2017 95 |
| 95837 | Sacramento County | 146 | $2.0M | 1997 31 |
| 95988 | Glenn County | 144 | $1.6M | 1998 83 |
| 95838 | Sacramento County | 143 | $1.0M | 1995 89 |
| 94970 | Marin County | 141 | $2.3M | 1983 61 |
| 92014 | San Diego County | 139 | $1.4M | 1983 32 |
| 92109 | San Diego County | 139 | $1.1M | 1988 44 |
| 95341 | Merced County | 139 | $3.4M | 2023 45 |
| 92649 | Orange County | 136 | $569K | 1995 24 |
| 95690 | Sacramento County | 135 | $3.0M | 1997 32 |
| 91356 | Los Angeles County | 133 | $755K | 1998 38 |
| 95112 | Santa Clara County | 133 | $4.6M | 2017 53 |
| 91316 | Los Angeles County | 131 | $754K | 1998 36 |
| 94930 | Marin County | 131 | $2.0M | 2005 55 |
| 90069 | Los Angeles County | 130 | $670K | 1980 33 |
| 95006 | Santa Cruz County | 127 | $768K | 1998 52 |
| 95653 | Yolo County | 127 | $1.5M | 1995 75 |
| 95448 | Sonoma County | 126 | $2.1M | 1995 35 |
| 95610 | Sacramento County | 126 | $1.3M | 1995 51 |
| 92113 | San Diego County | 125 | $10.5M | 2024 76 |
| 92264 | Riverside County | 125 | $802K | 1979 30 |
| 95472 | Sonoma County | 125 | $2.2M | 1995 35 |
| 94010 | San Mateo County | 124 | $2.8M | 1982 23 |
| 95973 | Butte County | 124 | $2.9M | 1998 30 |
| 94044 | San Mateo County | 122 | $1.1M | 1982 47 |
| 95864 | Sacramento County | 121 | $906K | 1995 38 |
| 92054 | San Diego County | 120 | $1.8M | 1998 30 |
| 94920 | Marin County | 119 | $1.2M | 1983 28 |
| 95746 | Placer County | 118 | $3.4M | 1995 51 |
| 95816 | Sacramento County | 118 | $711K | 1995 39 |
| 95831 | Sacramento County | 118 | $201K | 1995 40 |
| 95818 | Sacramento County | 114 | $293K | 1995 41 |
| 90740 | Orange County | 112 | $1.6M | 1995 29 |
| 95023 | San Benito County | 112 | $3.6M | 2017 39 |
| 94574 | Napa County | 111 | $3.3M | 1995 38 |
| 95815 | Sacramento County | 111 | $495K | 1995 50 |
| 92037 | San Diego County | 109 | $1.7M | 1998 14 |
| 95482 | Mendocino County | 109 | $1.9M | 2005 55 |
| 95819 | Sacramento County | 109 | $359K | 1995 37 |
| 90048 | Los Angeles County | 108 | $485K | 1995 25 |
| 93060 | Ventura County | 108 | $913K | 1995 26 |
| 95932 | Colusa County | 107 | $2.1M | 1998 44 |
| 93401 | San Luis Obispo County | 105 | $807K | 1995 38 |
| 92064 | San Diego County | 104 | $989K | 1998 12 |
| 92270 | Riverside County | 102 | $595K | 1979 29 |
| 95641 | Sacramento County | 102 | $1.7M | 1997 46 |
| 94939 | Marin County | 101 | $1.7M | 1998 18 |
| 92262 | Riverside County | 100 | $348K | 1979 33 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.