Flood zone · California
Flood zone in California
Flood zone (FEMA NFHL) data for ZIP codes in California. Pick a ZIP below to dive into the flood zone summary.
Last verified 2026-09-24 · methodology
What lands here
Not on zipradar yet. The plan is the FEMA flood zone code, what it means in plain English, and the base flood elevation where assigned. Until then, look the address up on FEMA's Flood Map Service Center.
Source & refresh
FEMA NFHL. Refreshed quarterly loma updates. Primary source →
California top concern
Wildfire (WUI), seismic, water-supply variability
California carries the highest concentrated WUI wildfire risk in the US per USFS WHP, with FAIR Plan + non-renewal pressure intensifying since 2017 fires. FEMA NFHL coverage is strong; drinking-water systems vary from large urban (LADWP, EBMUD) to small disadvantaged community systems flagged in EPA SDWIS. Radon risk is mostly Zone 2-3.
See California state page for the full state-level rollup across all 12 dimensions.
Read more on flood zone
Editorial deep-dives explaining the source data, its limits, and how to read it.
Flood zones explained — what AE, X, and VE actually mean
Plain-English guide to FEMA flood-zone codes (A, AE, AH, V, VE, X, X-shaded). What the 1% and 0.2% annual-chance zones mean for your property and your insurance.
Wildfire Hazard Potential — what the USFS scale means and how to defend your home
Plain-English guide to the USDA Forest Service's Wildfire Hazard Potential 1–5 scale, how to read your community's risk, and concrete home-defense measures.
Wildfire insurance in 2026 — why premiums spiked and what to do
California, Oregon, Colorado, and other Western states have seen wildfire insurance premiums double or homeowners drop entirely. Plain-English guide to the 2026 market.
FEMA flood zones — AE vs. X vs. VE in plain English
FEMA's National Flood Hazard Layer maps every US property's flood-zone designation. Here's what AE, X, VE, and AO actually mean for your insurance bill.
29 California ZIPs
ZIP 90210
Beverly Hills, CA
Flood zone →
ZIP 90012
Los Angeles, CA
Flood zone →
ZIP 94102
San Francisco, CA
Flood zone →
ZIP 94301
Palo Alto, CA
Flood zone →
ZIP 92101
San Diego, CA
Flood zone →
ZIP 95814
Sacramento, CA
Flood zone →
ZIP 95110
San Jose, CA
Flood zone →
ZIP 93101
Santa Barbara, CA
Flood zone →
ZIP 93701
Fresno, CA
Flood zone →
ZIP 92651
Laguna Beach, CA
Flood zone →
ZIP 94941
Mill Valley, CA
Flood zone →
ZIP 90802
Long Beach, CA
Flood zone →
ZIP 90401
Santa Monica, CA
Flood zone →
ZIP 94607
Oakland, CA
Flood zone →
ZIP 90405
Santa Monica, CA
Flood zone →
ZIP 94110
San Francisco (Mission), CA
Flood zone →
ZIP 95014
Cupertino, CA
Flood zone →
ZIP 93940
Monterey, CA
Flood zone →
ZIP 95816
Sacramento (Midtown), CA
Flood zone →
ZIP 92660
Newport Beach, CA
Flood zone →
ZIP 94703
Berkeley, CA
Flood zone →
ZIP 95060
Santa Cruz, CA
Flood zone →
ZIP 94025
Menlo Park, CA
Flood zone →
ZIP 94131
San Francisco (Twin Peaks), CA
Flood zone →
ZIP 94705
Berkeley (Elmwood), CA
Flood zone →
ZIP 90272
Pacific Palisades, CA
Flood zone →
ZIP 94920
Tiburon (Marin), CA
Flood zone →
ZIP 92037
La Jolla, CA
Flood zone →
ZIP 95051
Santa Clara, CA
Flood zone →