Códigos ZIP con mayor riesgo de inundación en California

Out of 1,475 ZIP codes with data in California, these are the highest-ranked areas for historical nfip claims. See also: National ZIP Codes with the Most Historical NFIP Claims | All California Rankings

Statistic	Value
ZIP codes ranked	1,475
Highest value	3,952 claims
Median value	9 claims
State	California

Top 100 Worst ZIP Codes

Rank	ZIP Code	City	State	Historical NFIP Claims	Safety Score
1	95446	Guerneville	CA	3,952 claims	100/100
2	90265	Malibu	CA	2,061 claims	75/100
3	95462	Monte Rio	CA	1,090 claims	—
4	95436	Forestville	CA	855 claims	100/100
5	94559	Napa	CA	723 claims	—
6	95453	Lakeport	CA	715 claims	96/100
7	93923	Carmel	CA	623 claims	66/100
8	92646	Huntington Beach	CA	614 claims	75/100
9	95076	Watsonville	CA	562 claims	64/100
10	94901	San Rafael	CA	494 claims	100/100
11	93108	Santa Barbara	CA	481 claims	58/100
12	94952	Petaluma	CA	457 claims	99/100
13	94558	Napa	CA	436 claims	—
14	90210	Beverly Hills	CA	435 claims	74/100
15	92651	Laguna Beach	CA	428 claims	92/100
16	93001	Ventura	CA	403 claims	61/100
17	90049	Los Angeles	CA	391 claims	75/100
18	94941	Mill Valley	CA	388 claims	100/100
19	94947	Novato	CA	363 claims	100/100
20	94303	Palo Alto	CA	349 claims	—
21	95003	Aptos	CA	318 claims	83/100
22	94960	San Anselmo	CA	315 claims	100/100
23	95823	Sacramento	CA	306 claims	79/100
24	90046	Los Angeles	CA	300 claims	75/100
25	95822	Sacramento	CA	291 claims	83/100
26	92260	Palm Desert	CA	278 claims	75/100
27	95673	Rio Linda	CA	278 claims	83/100
28	95018	Felton	CA	271 claims	71/100
29	94903	San Rafael	CA	270 claims	100/100
30	91301	Agoura Hills	CA	268 claims	75/100
31	93924	Carmel Valley	CA	257 claims	66/100
32	90272	Pacific Palisades	CA	256 claims	75/100
33	92704	Santa Ana	CA	252 claims	75/100
34	90077	Los Angeles	CA	246 claims	75/100
35	92708	Fountain Valley	CA	237 claims	75/100
36	94957	Ross	CA	236 claims	100/100
37	95833	Sacramento	CA	230 claims	83/100
38	95901	Marysville	CA	224 claims	—
39	95661	Roseville	CA	216 claims	75/100
40	96080	Red Bluff	CA	213 claims	75/100
41	91403	Sherman Oaks	CA	211 claims	75/100
42	94904	Greenbrae	CA	202 claims	100/100
43	91436	Encino	CA	201 claims	75/100
44	92530	Lake Elsinore	CA	200 claims	75/100
45	95060	Santa Cruz	CA	193 claims	68/100
46	95825	Sacramento	CA	190 claims	75/100
47	95348	Merced	CA	188 claims	83/100
48	91302	Calabasas	CA	187 claims	75/100
49	94553	Martinez	CA	187 claims	—
50	91364	Woodland Hills	CA	181 claims	75/100
51	90068	Los Angeles	CA	180 claims	75/100
52	93013	Carpinteria	CA	177 claims	58/100
53	92683	Westminster	CA	176 claims	75/100
54	94301	Palo Alto	CA	175 claims	—
55	91423	Sherman Oaks	CA	172 claims	75/100
56	94925	Corte Madera	CA	172 claims	100/100
57	92647	Huntington Beach	CA	166 claims	75/100
58	93023	Ojai	CA	166 claims	59/100
59	91604	Studio City	CA	160 claims	75/100
60	92663	Newport Beach	CA	156 claims	92/100
61	93101	Santa Barbara	CA	156 claims	58/100
62	95422	Clearlake	CA	156 claims	97/100
63	93103	Santa Barbara	CA	153 claims	58/100
64	95423	Clearlake Oaks	CA	153 claims	—
65	90803	Long Beach	CA	151 claims	75/100
66	90290	Topanga	CA	149 claims	—
67	95116	San Jose	CA	146 claims	—
68	95837	Sacramento	CA	146 claims	100/100
69	95988	Willows	CA	144 claims	100/100
70	95838	Sacramento	CA	143 claims	83/100
71	94970	Stinson Beach	CA	141 claims	—
72	92014	Del Mar	CA	139 claims	91/100
73	92109	San Diego	CA	139 claims	92/100
74	95341	Merced	CA	139 claims	79/100
75	92649	Huntington Beach	CA	136 claims	75/100
76	95690	Walnut Grove	CA	135 claims	—
77	91356	Tarzana	CA	133 claims	75/100
78	95112	San Jose	CA	133 claims	—
79	91316	Encino	CA	131 claims	75/100
80	94930	Fairfax	CA	131 claims	100/100
81	90069	West Hollywood	CA	130 claims	74/100
82	95006	Boulder Creek	CA	127 claims	68/100
83	95653	Madison	CA	127 claims	—
84	92113	San Diego	CA	126 claims	92/100
85	95448	Healdsburg	CA	126 claims	99/100
86	95610	Citrus Heights	CA	126 claims	100/100
87	92264	Palm Springs	CA	125 claims	75/100
88	95472	Sebastopol	CA	125 claims	96/100
89	94010	Burlingame	CA	124 claims	—
90	95973	Chico	CA	124 claims	79/100
91	94044	Pacifica	CA	122 claims	—
92	95864	Sacramento	CA	121 claims	75/100
93	92054	Oceanside	CA	120 claims	92/100
94	94920	Belvedere Tiburon	CA	119 claims	100/100
95	95746	Granite Bay	CA	118 claims	75/100
96	95816	Sacramento	CA	118 claims	83/100
97	95831	Sacramento	CA	118 claims	83/100
98	95818	Sacramento	CA	114 claims	83/100
99	90740	Seal Beach	CA	112 claims	92/100
100	95023	Hollister	CA	112 claims	60/100

Methodology

This ranking uses historical FEMA National Flood Insurance Program claim records. The entity is not a complete inventory of properties, flood events, uninsured losses, or current FEMA map designations. ZIPs without claim evidence are unknown and are not ranked as zero or low risk.

Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-08-31.

Frequently Asked Questions

What does this ranking show?

It shows historical NFIP claim counts for ZIP records where FEMA claim evidence is available. It does not determine the current flood zone or risk of a specific property.

Where does the claim data come from?

The records come from FEMA National Flood Insurance Program claims. They do not include a complete inventory of uninsured losses or current property-map designations.

Códigos ZIP con mayor riesgo de inundación en California — 2026