Flood insurance claims in Yolo County, California

FEMA records 340 National Flood Insurance Program claims in Yolo County, California, since 1978, with $3.3 million paid in total. The year with the most claims was 1995, with 132. As of 3 August 2026, 5.0% of homes here had an NFIP policy, and 28.1% of homes in the high-risk flood zone did.

NFIP claims on record340

Total paid$3.3 million

Claims with a payment253

Homes with NFIP policy5.0%

High-risk zone homes insured28.1%

Residential policies in force2,606

Claims by year of loss

NFIP claims by year of loss, Yolo County, California

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	95
Pineapple Express - Southern	39
California Atmospheric River	6

ZIP codes with the most claims

ZIP code (as reported)	Claims
95653	127
95691	53
95616	51
95695	28
95618	17
95698	11
95605	10
95627	6
95937	6
95694	6

247 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.9 million, contents $447,238, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	3,036	854	28.1%
All homes	52,448	2,606	5.0%

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

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.