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 2026-05-13 · methodology
What lands here
Pages show the flood zone code, what it means in plain English (1% annual chance zone, 0.2% annual chance zone, or outside mapped hazard), and the base flood elevation where assigned.
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 →