Flood Claims Map

California

Flood insurance claims in Humboldt County, California

FEMA records 201 National Flood Insurance Program claims in Humboldt County, California, since 1979, with $3.1 million paid in total. The year with the most claims was 1995, with 42. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 9.8% of homes in the high-risk flood zone did.

NFIP claims on record201
Total paid$3.1 million
Claims with a payment131
Homes with NFIP policy0.7%
High-risk zone homes insured9.8%
Residential policies in force342

Claims by year of loss

1979: 119791980: 11981: 11982: 11983: 319831984: 01985: 11986: 211987: 019871988: 01989: 11990: 01991: 019911992: 01993: 51994: 01995: 4219951996: 261997: 221998: 91999: 019992000: 12001: 22002: 162003: 420032004: 12005: 82006: 22007: 020072008: 12009: 22010: 32011: 020112012: 22013: 02014: 22015: 320152016: 12017: 22018: 02019: 520192020: 02021: 12022: 12023: 120232024: 42025: 32026: 242

NFIP claims by year of loss, Humboldt County, California

1979: $019791980: $01981: $4,2021982: $01983: $2,06119831984: $01985: $01986: $304,1811987: $019871988: $01989: $01990: $01991: $019911992: $01993: $1,6331994: $01995: $255,26319951996: $436,7021997: $253,9301998: $72,3871999: $019992000: $02001: $9,2852002: $534,3962003: $49,27720032004: $20,0002005: $284,9682006: $8,7182007: $020072008: $3102009: $02010: $02011: $020112012: $7,7602013: $02014: $02015: $1,37720152016: $2,1302017: $6,7002018: $02019: $157,88520192020: $02021: $02022: $02023: $020232024: $403,3452025: $191,9782026: $123,769$534,396

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding68
California Atmospheric River2
Pineapple Express - Southern2

ZIP codes with the most claims

ZIP code (as reported)Claims
9550339
9552139
9553617
9555416
9552816
9556513
9551911
9552410
955407
955595

141 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.9 million, contents $225,938, increased cost of compliance $20,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,5422499.8%
All homes50,4153420.7%

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.