Flood Claims Map

California

Flood insurance claims in Santa Clara County, California

FEMA records 1,630 National Flood Insurance Program claims in Santa Clara County, California, since 1978, with $24.6 million paid in total. The year with the most claims was 1998, with 536. As of 3 August 2026, 1.7% of homes here had an NFIP policy, and 21.6% of homes in the high-risk flood zone did.

NFIP claims on record1,630
Total paid$24.6 million
Claims with a payment1,030
Homes with NFIP policy1.7%
High-risk zone homes insured21.6%
Residential policies in force8,141

Claims by year of loss

1978: 1419781979: 151980: 331981: 41982: 6919821983: 1761984: 51985: 41986: 4719861987: 21988: 01989: 11990: 319901991: 11992: 111993: 181994: 419941995: 1961996: 201997: 721998: 53619981999: 22000: 92001: 92002: 2220022003: 42004: 52005: 92006: 620062007: 22008: 82009: 202010: 1020102011: 62012: 112013: 12014: 1520142015: 02016: 52017: 1882018: 120182019: 52020: 52021: 32022: 1520222023: 342024: 32025: 1536

NFIP claims by year of loss, Santa Clara County, California

1978: $10,26519781979: $9,1961980: $20,9991981: $16,6201982: $145,87319821983: $1.7 million1984: $01985: $01986: $253,20119861987: $01988: $01989: $01990: $019901991: $01992: $12,5691993: $71,8431994: $2,17619941995: $1.4 million1996: $187,8841997: $898,6831998: $9.5 million19981999: $02000: $109,7502001: $02002: $82,59120022003: $22,5142004: $11,9862005: $206,5922006: $33,30920062007: $02008: $70,7112009: $386,1902010: $20,88720102011: $39,4772012: $293,3682013: $02014: $505,13720142015: $02016: $1,9212017: $7.5 million2018: $020182019: $62,0142020: $02021: $02022: $459,31220222023: $627,6252024: $14,7862025: $0$9.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Pineapple Express - Southern523
Flooding439
California Atmospheric River41
Winter storm6
February California Atmospheric River1

ZIP codes with the most claims

ZIP code (as reported)Claims
94303302
94301174
95116146
95112133
9503794
9511094
9512592
9500273
9504667
9503567

1,225 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $23.1 million, contents $1.4 million, increased cost of compliance $60,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone32,3716,98621.6%
All homes486,3568,1411.7%

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.