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.
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