Flood Claims Map

California

Flood insurance claims in Alameda County, California

FEMA records 568 National Flood Insurance Program claims in Alameda County, California, since 1978, with $4.6 million paid in total. The year with the most claims was 1998, with 103. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 36.0% of homes in the high-risk flood zone did.

NFIP claims on record568
Total paid$4.6 million
Claims with a payment288
Homes with NFIP policy0.8%
High-risk zone homes insured36.0%
Residential policies in force3,420

Claims by year of loss

1978: 2119781979: 71980: 171981: 61982: 7219821983: 401984: 21985: 21986: 2519861987: 31988: 21989: 31990: 019901991: 21992: 31993: 51994: 319941995: 331996: 111997: 191998: 10319981999: 62000: 42001: 62002: 520022003: 22004: 22005: 52006: 220062007: 02008: 42009: 32010: 320102011: 72012: 72013: 12014: 820142015: 12016: 92017: 142018: 120182019: 42020: 12021: 82022: 4320222023: 352024: 52025: 22026: 12026103

NFIP claims by year of loss, Alameda County, California

1978: $46,73219781979: $11,8801980: $58,3291981: $6,6441982: $60,15019821983: $80,4931984: $01985: $01986: $151,50819861987: $1,9881988: $6311989: $8,6691990: $019901991: $01992: $01993: $13,6861994: $019941995: $366,4411996: $12,3161997: $91,9191998: $1.1 million19981999: $58,1482000: $5102001: $2,1332002: $24,88920022003: $10,3962004: $5,1192005: $40,3872006: $1,08120062007: $02008: $29,0782009: $3,1182010: $6,61520102011: $17,3932012: $3,4472013: $7712014: $37,46520142015: $2,4552016: $53,8482017: $9,5022018: $020182019: $12,2522020: $02021: $90,7932022: $1.2 million20222023: $472,1252024: $500,0002025: $32,8422026: $5,6972026$1.2 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Alameda County, California

Named flood events with the most claims

Event (FEMA name)Claims
Flooding162
Pineapple Express - Southern90
California Atmospheric River73
Winter storm2
San Diego Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
9461161
9460551
9462143
9450135
9454627
9458725
9460121
9454121
9461019
9460319

177 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.3 million, contents $283,524, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6,8412,46136.0%
All homes405,4803,4200.8%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.