Flood insurance claims in California by county
FEMA records 53,270 NFIP claims in California's counties, with $758.2 million paid. As of 3 August 2026, 140,683 NFIP residential policies were in force, equal to 1.3% of the state's residential structures.
| Los Angeles County | 9,104 | $72.4 million | 0.5% |
| Sonoma County | 7,403 | $132.1 million | 1.1% |
| Sacramento County | 3,864 | $38.7 million | 9.6% |
| Orange County | 3,839 | $21.2 million | 1.0% |
| Marin County | 3,301 | $54.9 million | 5.4% |
| San Diego County | 2,442 | $48.0 million | 0.7% |
| Riverside County | 1,636 | $21.2 million | 0.5% |
| Santa Cruz County | 1,633 | $24.9 million | 2.5% |
| Santa Clara County | 1,630 | $24.6 million | 1.7% |
| Monterey County | 1,492 | $42.4 million | 1.1% |
| Lake County | 1,432 | $14.2 million | 2.4% |
| Napa County | 1,361 | $29.8 million | 1.9% |
| Ventura County | 1,331 | $16.0 million | 1.6% |
| Santa Barbara County | 1,309 | $31.4 million | 1.9% |
| Contra Costa County | 1,202 | $12.9 million | 0.9% |
| San Mateo County | 1,110 | $20.1 million | 1.8% |
| San Bernardino County | 864 | $10.2 million | 0.3% |
| Placer County | 628 | $16.1 million | 0.6% |
| San Luis Obispo County | 613 | $8.6 million | 1.1% |
| Solano County | 594 | $11.0 million | 1.3% |
| Alameda County | 568 | $4.6 million | 0.8% |
| Merced County | 499 | $14.7 million | 5.2% |
| Tehama County | 428 | $5.6 million | 2.1% |
| San Joaquin County | 421 | $8.2 million | 1.8% |
| Tulare County | 366 | $4.3 million | 2.9% |
| Yolo County | 340 | $3.3 million | 5.0% |
| Butte County | 335 | $7.2 million | 1.9% |
| Yuba County | 320 | $8.3 million | 4.9% |
| Kern County | 280 | $1.5 million | 1.1% |
| Fresno County | 278 | $2.2 million | 0.3% |
| Shasta County | 256 | $4.9 million | 0.8% |
| Stanislaus County | 242 | $4.7 million | 0.4% |
| El Dorado County | 207 | $4.0 million | 0.3% |
| Humboldt County | 201 | $3.1 million | 0.7% |
| Sutter County | 199 | $3.0 million | 11.5% |
| Glenn County | 195 | $2.4 million | 3.3% |
| Mendocino County | 183 | $4.7 million | 1.0% |
| Colusa County | 160 | $3.0 million | 6.9% |
| San Francisco County | 147 | $2.9 million | 0.1% |
| San Benito County | 129 | $3.9 million | 0.6% |
| Imperial County | 103 | $560,324 | 0.1% |
| Amador County | 78 | $1.5 million | 0.6% |
| Calaveras County | 74 | $2.3 million | 0.4% |
| Siskiyou County | 67 | $469,534 | 0.8% |
| Madera County | 63 | $698,721 | 1.0% |
| Nevada County | 63 | $1.1 million | 0.2% |
| Plumas County | 57 | $1.1 million | 0.5% |
| Lassen County | 52 | $1.1 million | 0.5% |
| Mono County | 46 | $384,887 | 1.1% |
| Del Norte County | 37 | $454,598 | 0.9% |
| Sierra County | 26 | $592,282 | 1.8% |
| Trinity County | 23 | $72,552 | 0.7% |
| Tuolumne County | 20 | $308,820 | 0.1% |
| Kings County | 10 | $150,801 | 0.5% |
| Alpine County | 5 | $45,997 | 1.4% |
| Inyo County | 4 | $11,669 | 0.5% |
| Mariposa County | 0 | $0 | 0.0% |
| Modoc County | 0 | $0 | 1.0% |
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
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.