Flood Claims Map

California

Flood insurance claims in San Diego County, California

FEMA records 2,442 National Flood Insurance Program claims in San Diego County, California, since 1978, with $48.0 million paid in total. The year with the most claims was 1980, with 257. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 24.2% of homes in the high-risk flood zone did.

NFIP claims on record2,442
Total paid$48.0 million
Claims with a payment1,603
Homes with NFIP policy0.7%
High-risk zone homes insured24.2%
Residential policies in force6,088

Claims by year of loss

1978: 4419781979: 401980: 2571981: 141982: 2819821983: 2151984: 61985: 151986: 419861987: 31988: 1321989: 01990: 019901991: 271992: 281993: 941994: 319941995: 1371996: 81997: 181998: 23419981999: 92000: 102001: 152002: 620022003: 122004: 592005: 942006: 720062007: 82008: 102009: 172010: 15020102011: 72012: 132013: 172014: 2120142015: 192016: 982017: 1012018: 5320182019: 452020: 382021: 92022: 1220222023: 592024: 2132025: 92026: 242026257

NFIP claims by year of loss, San Diego County, California

1978: $42,14119781979: $63,4091980: $1.6 million1981: $7,2871982: $30,99419821983: $1.0 million1984: $16,4581985: $21,5011986: $33,75719861987: $7,1501988: $773,0211989: $01990: $019901991: $132,4381992: $80,0041993: $1.0 million1994: $019941995: $1.7 million1996: $2,4061997: $42,5141998: $1.9 million19981999: $36,7752000: $34,9642001: $201,9882002: $5,76520022003: $130,5872004: $1.0 million2005: $1.1 million2006: $49,08820062007: $83,5382008: $152,4422009: $83,6192010: $3.0 million20102011: $3,0422012: $199,7272013: $644,1242014: $141,91720142015: $216,5672016: $2.9 million2017: $2.1 million2018: $2.4 million20182019: $496,3642020: $410,6182021: $64,1652022: $186,24820222023: $1.1 million2024: $19.9 million2025: $378,2712026: $2.4 million2026$19.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding629
Pineapple Express - Southern196
San Diego Flooding178
Winter storm64
California Atmospheric River45
February California Atmospheric River10
Tropical Storm Hilary9
December California Flooding2

ZIP codes with the most claims

ZIP code (as reported)Claims
92109139
92014139
92113125
92054120
92037109
92064104
9204094
9197787
9212061
9206560

836 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $41.6 million, contents $6.4 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone12,9533,13724.2%
All homes890,5666,0880.7%

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.