Flood Claims Map

California

Flood insurance claims in Merced County, California

FEMA records 499 National Flood Insurance Program claims in Merced County, California, since 1980, with $14.7 million paid in total. The year with the most claims was 2023, with 203. As of 3 August 2026, 5.2% of homes here had an NFIP policy, and 24.3% of homes in the high-risk flood zone did.

NFIP claims on record499
Total paid$14.7 million
Claims with a payment352
Homes with NFIP policy5.2%
High-risk zone homes insured24.3%
Residential policies in force3,886

Claims by year of loss

1980: 119801981: 01982: 21983: 11984: 219841985: 01986: 11987: 01988: 019881989: 01990: 01991: 01992: 019921993: 01994: 11995: 101996: 519961997: 21998: 941999: 42000: 320002001: 22002: 32003: 02004: 120042005: 122006: 1022007: 22008: 120082009: 02010: 12011: 02012: 420122013: 12014: 22015: 02016: 520162017: 92018: 82019: 02020: 120202021: 32022: 42023: 2032024: 420242025: 22026: 3203

NFIP claims by year of loss, Merced County, California

1980: $1,74019801981: $01982: $4,9901983: $6281984: $10,82219841985: $01986: $01987: $01988: $019881989: $01990: $01991: $01992: $019921993: $01994: $01995: $70,5441996: $3,38219961997: $22,8571998: $1.7 million1999: $02000: $020002001: $02002: $02003: $02004: $020042005: $56,4132006: $2.4 million2007: $1,9182008: $6,88420082009: $02010: $2,5692011: $02012: $020122013: $02014: $3,5932015: $02016: $8,05920162017: $105,6572018: $128,8852019: $02020: $020202021: $5,1112022: $36,4812023: $10.1 million2024: $10,65220242025: $21,6472026: $6,516$10.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
California Atmospheric River202
Pineapple Express - Southern78
Flooding8

ZIP codes with the most claims

ZIP code (as reported)Claims
95348188
95341139
9534083
9536562
9530115
953247
953334
953031

477 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $14.0 million, contents $646,452, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone15,2103,69924.3%
All homes74,3823,8865.2%

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.