Flood Claims Map

California

Flood insurance claims in San Luis Obispo County, California

FEMA records 613 National Flood Insurance Program claims in San Luis Obispo County, California, since 1978, with $8.6 million paid in total. The year with the most claims was 1995, with 159. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 22.4% of homes in the high-risk flood zone did.

NFIP claims on record613
Total paid$8.6 million
Claims with a payment395
Homes with NFIP policy1.1%
High-risk zone homes insured22.4%
Residential policies in force1,183

Claims by year of loss

1978: 1819781979: 01980: 121981: 21982: 1619821983: 181984: 01985: 01986: 719861987: 01988: 01989: 01990: 019901991: 61992: 131993: 141994: 119941995: 1591996: 11997: 151998: 6919981999: 32000: 42001: 492002: 020022003: 02004: 102005: 22006: 1820062007: 12008: 02009: 32010: 2220102011: 62012: 12013: 02014: 120142015: 42016: 52017: 192018: 220182019: 22020: 02021: 42022: 020222023: 1032024: 12025: 02026: 22026159

NFIP claims by year of loss, San Luis Obispo County, California

1978: $36,76519781979: $01980: $42,9191981: $4061982: $106,99619821983: $44,5901984: $01985: $01986: $21,86419861987: $01988: $01989: $01990: $019901991: $2,9521992: $33,6171993: $92,0921994: $019941995: $1.6 million1996: $01997: $170,3441998: $523,02019981999: $3,9912000: $4,7252001: $738,7752002: $020022003: $02004: $126,6662005: $4,4212006: $443,65820062007: $31,5702008: $02009: $5,5342010: $221,71120102011: $77,7462012: $9,3392013: $02014: $020142015: $10,4982016: $12,3242017: $247,1812018: $7,16620182019: $35,2582020: $02021: $13,4292022: $020222023: $3.9 million2024: $02025: $02026: $02026$3.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding190
California Atmospheric River102
Pineapple Express - Southern62
Winter storm1
Mid-Winter California Flooding1
February California Atmospheric River1

ZIP codes with the most claims

ZIP code (as reported)Claims
93401105
9345378
9340567
9344251
9342248
9342040
9342837
9344436
9344536
9344630

300 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.6 million, contents $1.0 million, increased cost of compliance $19,869.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,86164222.4%
All homes105,8511,1831.1%

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.