Flood Claims Map

California

Flood insurance claims in Contra Costa County, California

FEMA records 1,202 National Flood Insurance Program claims in Contra Costa County, California, since 1978, with $12.9 million paid in total. The year with the most claims was 1982, with 141. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 28.0% of homes in the high-risk flood zone did.

NFIP claims on record1,202
Total paid$12.9 million
Claims with a payment669
Homes with NFIP policy0.9%
High-risk zone homes insured28.0%
Residential policies in force2,681

Claims by year of loss

1978: 1319781979: 71980: 291981: 141982: 14119821983: 841984: 41985: 51986: 8319861987: 41988: 21989: 41990: 319901991: 11992: 11993: 451994: 119941995: 741996: 341997: 691998: 12619981999: 32000: 72001: 122002: 6820022003: 32004: 142005: 942006: 2220062007: 02008: 102009: 102010: 720102011: 72012: 132013: 22014: 720142015: 12016: 82017: 602018: 320182019: 122020: 02021: 182022: 3820222023: 302024: 52025: 32026: 12026141

NFIP claims by year of loss, Contra Costa County, California

1978: $2,26819781979: $1,5001980: $44,8821981: $11,6791982: $478,68119821983: $337,5351984: $01985: $01986: $360,42919861987: $01988: $01989: $6,1191990: $019901991: $7751992: $01993: $164,6441994: $019941995: $345,9671996: $121,1411997: $409,0841998: $808,52219981999: $02000: $2,0762001: $25,3062002: $1.2 million20022003: $2,4982004: $57,2002005: $1.8 million2006: $276,48220062007: $02008: $194,7532009: $218,0052010: $58,59120102011: $02012: $265,0302013: $02014: $7,52920142015: $02016: $12,3192017: $1.5 million2018: $12,83520182019: $698,8192020: $02021: $561,8382022: $2.0 million20222023: $757,3412024: $25,3762025: $3,5082026: $17,6472026$2.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding395
Pineapple Express - Southern105
California Atmospheric River65
Winter storm4
February California Atmospheric River1

ZIP codes with the most claims

ZIP code (as reported)Claims
94553187
9456395
9480680
9459579
9454972
9450968
9459667
9452359
9480340
9451138

620 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $11.7 million, contents $1.2 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone7,1281,99728.0%
All homes310,9432,6810.9%

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.