ZIP Codes with Highest Flood Risk in California

Out of 1,474 ZIP codes with data in California, these are the highest-ranked areas for flood claims. See also: National ZIP Codes with Highest Flood Risk | All California Rankings

Statistic	Value
ZIP codes ranked	1,474
Highest value	3,952 claims
Median value	9 claims
State	California

Top 100 Worst ZIP Codes

Rank	ZIP Code	City	State	Flood Claims	Safety Score
1	95446	Guerneville	CA	3,952 claims	67/100
2	90265	Malibu	CA	2,060 claims	40/100
3	95462	Monte Rio	CA	1,090 claims	50/100
4	95436	Forestville	CA	855 claims	64/100
5	94559	Napa	CA	723 claims	53/100
6	95453	Lakeport	CA	715 claims	80/100
7	93923	Carmel	CA	623 claims	68/100
8	92646	Huntington Beach	CA	613 claims	74/100
9	95076	Watsonville	CA	562 claims	68/100
10	94901	San Rafael	CA	494 claims	55/100
11	93108	Santa Barbara	CA	480 claims	53/100
12	94952	Petaluma	CA	457 claims	76/100
13	94558	Napa	CA	436 claims	53/100
14	90210	Beverly Hills	CA	435 claims	66/100
15	92651	Laguna Beach	CA	429 claims	80/100
16	93001	Ventura	CA	403 claims	48/100
17	90049	Los Angeles	CA	391 claims	64/100
18	94941	Mill Valley	CA	387 claims	55/100
19	94947	Novato	CA	363 claims	56/100
20	94303	Palo Alto	CA	349 claims	68/100
21	95003	Aptos	CA	318 claims	66/100
22	94960	San Anselmo	CA	315 claims	55/100
23	95823	Sacramento	CA	306 claims	68/100
24	90046	Los Angeles	CA	299 claims	64/100
25	95822	Sacramento	CA	291 claims	68/100
26	92260	Palm Desert	CA	278 claims	55/100
27	95673	Rio Linda	CA	278 claims	72/100
28	95018	Felton	CA	271 claims	55/100
29	91301	Agoura Hills	CA	268 claims	64/100
30	94903	San Rafael	CA	268 claims	55/100
31	93924	Carmel Valley	CA	257 claims	66/100
32	90272	Pacific Palisades	CA	255 claims	45/100
33	92704	Santa Ana	CA	252 claims	72/100
34	90077	Los Angeles	CA	245 claims	64/100
35	92708	Fountain Valley	CA	237 claims	78/100
36	94957	Ross	CA	236 claims	55/100
37	95833	Sacramento	CA	229 claims	68/100
38	95901	Marysville	CA	224 claims	67/100
39	95661	Roseville	CA	216 claims	68/100
40	96080	Red Bluff	CA	213 claims	72/100
41	91403	Sherman Oaks	CA	211 claims	45/100
42	91436	Encino	CA	201 claims	18/100
43	94904	Greenbrae	CA	201 claims	78/100
44	92530	Lake Elsinore	CA	200 claims	73/100
45	95060	Santa Cruz	CA	193 claims	48/100
46	95825	Sacramento	CA	190 claims	73/100
47	91302	Calabasas	CA	187 claims	73/100
48	94553	Martinez	CA	187 claims	73/100
49	95348	Merced	CA	186 claims	76/100
50	91364	Woodland Hills	CA	181 claims	50/100
51	90068	Los Angeles	CA	180 claims	69/100
52	93013	Carpinteria	CA	177 claims	60/100
53	92683	Westminster	CA	176 claims	85/100
54	94301	Palo Alto	CA	175 claims	73/100
55	91423	Sherman Oaks	CA	171 claims	50/100
56	94925	Corte Madera	CA	171 claims	77/100
57	92647	Huntington Beach	CA	166 claims	79/100
58	93023	Ojai	CA	166 claims	52/100
59	91604	Studio City	CA	159 claims	50/100
60	93101	Santa Barbara	CA	156 claims	58/100
61	95422	Clearlake	CA	156 claims	83/100
62	92663	Newport Beach	CA	155 claims	75/100
63	93103	Santa Barbara	CA	153 claims	58/100
64	95423	Clearlake Oaks	CA	153 claims	60/100
65	90803	Long Beach	CA	151 claims	65/100
66	90290	Topanga	CA	149 claims	50/100
67	95116	San Jose	CA	146 claims	72/100
68	95837	Sacramento	CA	146 claims	73/100
69	95988	Willows	CA	144 claims	60/100
70	95838	Sacramento	CA	143 claims	73/100
71	94970	Stinson Beach	CA	141 claims	75/100
72	95341	Merced	CA	141 claims	76/100
73	92014	Del Mar	CA	139 claims	83/100
74	92109	San Diego	CA	139 claims	55/100
75	92649	Huntington Beach	CA	136 claims	79/100
76	95690	Walnut Grove	CA	135 claims	75/100
77	91356	Tarzana	CA	133 claims	50/100
78	95112	San Jose	CA	133 claims	72/100
79	91316	Encino	CA	131 claims	23/100
80	94930	Fairfax	CA	131 claims	60/100
81	90069	West Hollywood	CA	130 claims	50/100
82	95006	Boulder Creek	CA	127 claims	65/100
83	95653	Madison	CA	127 claims	73/100
84	92113	San Diego	CA	126 claims	55/100
85	95448	Healdsburg	CA	126 claims	84/100
86	95610	Citrus Heights	CA	126 claims	85/100
87	92264	Palm Springs	CA	125 claims	69/100
88	95472	Sebastopol	CA	125 claims	81/100
89	94010	Burlingame	CA	124 claims	67/100
90	95973	Chico	CA	124 claims	75/100
91	94044	Pacifica	CA	122 claims	73/100
92	95864	Sacramento	CA	121 claims	73/100
93	92054	Oceanside	CA	120 claims	77/100
94	94920	Belvedere Tiburon	CA	118 claims	60/100
95	95746	Granite Bay	CA	118 claims	73/100
96	95816	Sacramento	CA	118 claims	73/100
97	95831	Sacramento	CA	118 claims	73/100
98	95818	Sacramento	CA	114 claims	73/100
99	90740	Seal Beach	CA	112 claims	85/100
100	95023	Hollister	CA	112 claims	60/100

Methodology

Flood risk rankings use FEMA National Flood Insurance Program (NFIP) claim data. Total claims reflect historical flood events that resulted in insured property damage. High claim counts indicate areas with recurring flood exposure, which can compromise water infrastructure, introduce contaminant runoff, and damage home systems.

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: 2026-06-04.

Frequently Asked Questions

Why does flood history matter for home safety?

Flooding can contaminate drinking water supplies, damage water infrastructure, introduce sewage and chemical runoff, and compromise home foundations and electrical systems. Repeated flooding indicates persistent risk that affects long-term home safety.

Where does the flood data come from?

Flood claim data comes from the FEMA National Flood Insurance Program (NFIP), which tracks all insured flood losses by ZIP code. This includes claims from hurricanes, river flooding, storm surge, and heavy rainfall events.

ZIP Codes with Highest Flood Risk in California — 2026

Top 100 Worst ZIP Codes

Methodology

Frequently Asked Questions

Why does flood history matter for home safety?

Where does the flood data come from?

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