Flood Claims Map

California

Flood insurance claims in Sacramento County, California

FEMA records 3,864 National Flood Insurance Program claims in Sacramento County, California, since 1978, with $38.7 million paid in total. The year with the most claims was 1995, with 1,340. As of 3 August 2026, 9.6% of homes here had an NFIP policy, and 81.1% of homes in the high-risk flood zone did.

NFIP claims on record3,864
Total paid$38.7 million
Claims with a payment2,375
Homes with NFIP policy9.6%
High-risk zone homes insured81.1%
Residential policies in force42,334

Claims by year of loss

1978: 1019781979: 31980: 321981: 61982: 6419821983: 671984: 21985: 11986: 25719861987: 41988: 21989: 21990: 519901991: 81992: 321993: 941994: 3119941995: 1,3401996: 1131997: 6011998: 24019981999: 172000: 842001: 192002: 2720022003: 112004: 872005: 1192006: 5420062007: 42008: 132009: 112010: 1320102011: 142012: 382013: 32014: 1520142015: 32016: 212017: 1482018: 1220182019: 122020: 92021: 412022: 4020222023: 1042024: 162025: 82026: 720261,340

NFIP claims by year of loss, Sacramento County, California

1978: $27,58919781979: $1,0381980: $108,1201981: $6,4981982: $135,00319821983: $199,4971984: $3,3201985: $01986: $4.4 million19861987: $01988: $1,8901989: $4231990: $7,24619901991: $15,3841992: $127,0511993: $113,9531994: $224,77219941995: $11.5 million1996: $548,3281997: $7.9 million1998: $699,16019981999: $10,3342000: $175,4902001: $7,7372002: $10,27420022003: $5,4652004: $1.3 million2005: $1.9 million2006: $2.5 million20062007: $02008: $16,6412009: $7,0222010: $10,34020102011: $68,2912012: $307,5742013: $12,5312014: $25,39620142015: $02016: $51,6942017: $2.6 million2018: $169,69920182019: $35,6452020: $3,9012021: $447,5412022: $681,42120222023: $2.0 million2024: $39,1342025: $16,0702026: $431,4802026$11.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding1,856
Pineapple Express - Southern192
California Atmospheric River128
Winter storm3
San Diego Flooding1
December California Flooding1
Mid-Winter California Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
95823306
95822291
95673277
95833230
95825190
95838143
95837135
95610126
95864121
95831118

2,890 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $33.2 million, contents $5.5 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone35,66628,93781.1%
All homes443,24042,3349.6%

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.