Flood insurance claims in Calaveras County, California

FEMA records 74 National Flood Insurance Program claims in Calaveras County, California, since 1982, with $2.3 million paid in total. The year with the most claims was 2006, with 15. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 36.6% of homes in the high-risk flood zone did.

NFIP claims on record74

Total paid$2.3 million

Claims with a payment54

Homes with NFIP policy0.4%

High-risk zone homes insured36.6%

Residential policies in force108

Claims by year of loss

NFIP claims by year of loss, Calaveras County, California

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

Named flood events with the most claims

Event (FEMA name)	Claims
California Atmospheric River	19
Flooding	8
Pineapple Express - Southern	4

ZIP codes with the most claims

ZIP code (as reported)	Claims
95252	52
95222	5
95228	5
95226	2
95246	2
95247	2
95223	2
95225	1
95255	1
95251	1

45 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.1 million, contents $167,220, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	172	63	36.6%
All homes	24,705	108	0.4%

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

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.