Flood insurance claims in Imperial County, California

FEMA records 103 National Flood Insurance Program claims in Imperial County, California, since 1978, with $560,324 paid in total. The year with the most claims was 1983, with 25. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 4.2% of homes in the high-risk flood zone did.

NFIP claims on record103

Total paid$560,324

Claims with a payment67

Homes with NFIP policy0.1%

High-risk zone homes insured4.2%

Residential policies in force33

Claims by year of loss

NFIP claims by year of loss, Imperial County, California

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	7
Tropical Storm Hilary	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
92274	26
92266	20
92257	14
92251	6
92259	5
92243	3
92233	3
92227	3
95227	1
92250	1

31 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $482,557, contents $77,767, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	601	25	4.2%
All homes	42,918	33	0.1%

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.