Flood Claims Map

California

Flood insurance claims in Sutter County, California

FEMA records 199 National Flood Insurance Program claims in Sutter County, California, since 1980, with $3.0 million paid in total. The most claims in one year was 37, in 1997 and 1998. As of 3 August 2026, 11.5% of homes here had an NFIP policy.

NFIP claims on record199
Total paid$3.0 million
Claims with a payment122
Homes with NFIP policy11.5%
High-risk zone homes insuredn/a
Residential policies in force3,166

Claims by year of loss

1980: 119801981: 01982: 01983: 71984: 019841985: 01986: 251987: 01988: 019881989: 01990: 01991: 01992: 019921993: 01994: 01995: 301996: 819961997: 371998: 371999: 22000: 220002001: 12002: 02003: 02004: 020042005: 32006: 02007: 12008: 120082009: 02010: 02011: 12012: 120122013: 02014: 02015: 02016: 120162017: 332018: 12019: 32020: 020202021: 02022: 02023: 02024: 320242025: 137

NFIP claims by year of loss, Sutter County, California

1980: $2,42219801981: $01982: $01983: $54,9891984: $019841985: $01986: $302,7091987: $01988: $019881989: $01990: $01991: $01992: $019921993: $01994: $01995: $97,6631996: $79,18819961997: $1.8 million1998: $173,5121999: $02000: $11,57420002001: $02002: $02003: $02004: $020042005: $28,1592006: $02007: $02008: $020082009: $02010: $02011: $3,2322012: $15,94120122013: $02014: $02015: $02016: $5,15220162017: $362,5502018: $02019: $49,4762020: $020202021: $02022: $02023: $02024: $85,23320242025: $1,882$1.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding92
Pineapple Express - Southern35
February California Atmospheric River1

ZIP codes with the most claims

ZIP code (as reported)Claims
9599160
9599338
9566821
9595720
9595318
9583711
9599210
956596
956745
956764

75 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.5 million, contents $545,199, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0704n/a
All homes27,6243,16611.5%

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.