Flood Claims Map

California

Flood insurance claims in Orange County, California

FEMA records 3,839 National Flood Insurance Program claims in Orange County, California, since 1978, with $21.2 million paid in total. The year with the most claims was 1995, with 621. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 18.6% of homes in the high-risk flood zone did.

NFIP claims on record3,839
Total paid$21.2 million
Claims with a payment2,040
Homes with NFIP policy1.0%
High-risk zone homes insured18.6%
Residential policies in force7,994

Claims by year of loss

1978: 14519781979: 411980: 1831981: 231982: 3819821983: 4991984: 71985: 71986: 1619861987: 71988: 381989: 31990: 919901991: 251992: 1701993: 1421994: 2519941995: 6211996: 321997: 4351998: 57019981999: 182000: 292001: 582002: 620022003: 272004: 712005: 932006: 120062007: 32008: 112009: 132010: 20820102011: 112012: 42013: 42014: 620142015: 132016: 272017: 702018: 720182019: 292020: 142021: 112022: 220222023: 222024: 202025: 162026: 92026621

NFIP claims by year of loss, Orange County, California

1978: $159,90419781979: $65,2971980: $410,1641981: $48,2631982: $114,54619821983: $2.0 million1984: $42,0641985: $4101986: $12,33619861987: $12,5521988: $359,2301989: $2,0781990: $11,00519901991: $62,6651992: $764,2761993: $87,1721994: $6,64219941995: $2.6 million1996: $40,3101997: $3.2 million1998: $2.3 million19981999: $12,7242000: $35,2662001: $173,7562002: $020022003: $125,0192004: $1.0 million2005: $773,7312006: $020062007: $02008: $29,3902009: $11,1342010: $3.2 million20102011: $1,9772012: $4,2332013: $02014: $90,50720142015: $347,3972016: $128,2982017: $528,4692018: $128,12120182019: $217,6902020: $298,2692021: $199,7422022: $14,00820222023: $609,1592024: $617,4662025: $203,2982026: $68,9522026$3.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding1,154
Pineapple Express - Southern501
Winter storm44
California Atmospheric River16
February California Atmospheric River14
Tropical Storm Hilary2
Mid-Winter California Flooding1
December California Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
92646614
92651429
92704251
92708237
92683176
92647166
92663156
92649136
90740110
9284398

1,944 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $18.5 million, contents $2.7 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone22,3894,17518.6%
All homes791,9167,9941.0%

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.