Flood Claims Map

California

Flood insurance claims in Lake County, California

FEMA records 1,432 National Flood Insurance Program claims in Lake County, California, since 1978, with $14.2 million paid in total. The year with the most claims was 1998, with 477. As of 3 August 2026, 2.4% of homes here had an NFIP policy, and 15.1% of homes in the high-risk flood zone did.

NFIP claims on record1,432
Total paid$14.2 million
Claims with a payment1,083
Homes with NFIP policy2.4%
High-risk zone homes insured15.1%
Residential policies in force871

Claims by year of loss

1978: 419781979: 11980: 111981: 01982: 819821983: 1291984: 01985: 01986: 18019861987: 01988: 11989: 01990: 019901991: 11992: 11993: 271994: 019941995: 2971996: 151997: 231998: 47719981999: 32000: 12001: 02002: 920022003: 02004: 92005: 112006: 720062007: 12008: 62009: 02010: 320102011: 202012: 22013: 02014: 1320142015: 12016: 52017: 1152018: 020182019: 332020: 22021: 22022: 120222023: 62024: 52025: 2477

NFIP claims by year of loss, Lake County, California

1978: $23,66819781979: $01980: $11,0761981: $01982: $22,42919821983: $1.0 million1984: $01985: $01986: $1.8 million19861987: $01988: $2,0311989: $01990: $019901991: $1,0721992: $5,9671993: $67,7861994: $019941995: $2.7 million1996: $79,7521997: $168,8781998: $4.9 million19981999: $1,9792000: $02001: $02002: $55,65020022003: $02004: $106,0972005: $315,8522006: $79,70920062007: $02008: $23,5912009: $02010: $18,14420102011: $42,5352012: $29,3272013: $02014: $165,35520142015: $02016: $38,8292017: $1.8 million2018: $020182019: $652,2822020: $02021: $02022: $020222023: $17,8762024: $32,4712025: $5,828$4.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding507
Pineapple Express - Southern453
California Atmospheric River5
February California Atmospheric River2
San Diego Flooding1
Winter storm1

ZIP codes with the most claims

ZIP code (as reported)Claims
95453714
95422156
95423152
9545189
9548578
9545863
9546450
9545739
9546737
9542421

1,215 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $13.1 million, contents $967,628, increased cost of compliance $131,955.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5,31980515.1%
All homes36,2348712.4%

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

  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.