Updated April 2026
Flood Risk in California
California has 59 counties with flood risk data, 361 total NFIP flood insurance claims, and an average risk score of 13 out of 100.
59
Counties
361
NFIP Claims
$10,258,852
Total Payouts
13
Avg Risk Score
Grade Distribution
A
56
counties
B
3
counties
C
0
counties
D
0
counties
F
0
counties
Riskiest in California
| County | Grade | Score |
|---|---|---|
| Santa Barbara | B | 23 |
| Marin | B | 21 |
| Santa Cruz | B | 21 |
| Alameda | A | 20 |
| Los Angeles | A | 18 |
Safest in California
| County | Grade | Score |
|---|---|---|
| San Mateo | A | 10 |
| Orange | A | 10 |
| San Francisco | A | 10 |
| Alpine | A | 11 |
| Amador | A | 11 |
All 59 Counties in California
Sorted by flood risk score, highest to lowest.
| # | County | Grade | Score | Claims | Payouts | Disasters |
|---|---|---|---|---|---|---|
| 1 | Santa Barbara | B | 23 | 23 | $1,064,563 | 15 |
| 2 | Marin | B | 21 | 15 | $244,124 | 11 |
| 3 | Santa Cruz | B | 21 | 22 | $715,812 | 10 |
| 4 | Alameda | A | 20 | 8 | $47,726 | 9 |
| 5 | Los Angeles | A | 18 | 36 | $796,938 | 12 |
| 6 | Sonoma | A | 17 | 55 | $1,599,266 | 11 |
| 7 | San Bernardino | A | 16 | 5 | $162,442 | 15 |
| 8 | Humboldt | A | 15 | 1 | $0 | 14 |
| 9 | San Joaquin | A | 15 | 7 | $139,299 | 13 |
| 10 | Mendocino | A | 15 | 0 | $0 | 13 |
| 11 | Riverside | A | 15 | 7 | $43,908 | 16 |
| 12 | San Luis Obispo | A | 14 | 8 | $298,748 | 12 |
| 13 | San Diego | A | 14 | 35 | $974,419 | 14 |
| 14 | Contra Costa | A | 13 | 1 | $0 | 11 |
| 15 | Del Norte | A | 13 | 0 | $0 | 10 |
| 16 | Glenn | A | 13 | 2 | $21,405 | 10 |
| 17 | Monterey | A | 13 | 8 | $631,573 | 10 |
| 18 | Napa | A | 13 | 3 | $33,092 | 10 |
| 19 | Sacramento | A | 13 | 16 | $168,104 | 12 |
| 20 | Solano | A | 13 | 4 | $32,602 | 10 |
| 21 | Tehama | A | 13 | 1 | $54,789 | 11 |
| 22 | Trinity | A | 13 | 0 | $0 | 11 |
| 23 | Kern | A | 13 | 6 | $10,810 | 10 |
| 24 | Ventura | A | 13 | 9 | $138,688 | 12 |
| 25 | Tule River Indian Reservation | A | 12 | 0 | $0 | 9 |
| 26 | Butte | A | 12 | 6 | $68,524 | 8 |
| 27 | Colusa | A | 12 | 0 | $0 | 8 |
| 28 | El Dorado | A | 12 | 5 | $112,892 | 9 |
| 29 | Kings | A | 12 | 0 | $0 | 9 |
| 30 | Lake | A | 12 | 5 | $112,741 | 8 |
| 31 | Modoc | A | 12 | 0 | $0 | 8 |
| 32 | Mono | A | 12 | 0 | $0 | 8 |
| 33 | Plumas | A | 12 | 0 | $0 | 8 |
| 34 | San Benito | A | 12 | 7 | $810,418 | 8 |
| 35 | Santa Clara | A | 12 | 17 | $501,215 | 8 |
| 36 | Shasta | A | 12 | 1 | $0 | 9 |
| 37 | Siskiyou | A | 12 | 0 | $0 | 8 |
| 38 | Stanislaus | A | 12 | 0 | $0 | 8 |
| 39 | Sutter | A | 12 | 2 | $0 | 8 |
| 40 | Tuolumne | A | 12 | 0 | $0 | 8 |
| 41 | Yolo | A | 12 | 2 | $160,745 | 8 |
| 42 | Yuba | A | 12 | 3 | $27,066 | 9 |
| 43 | Inyo | A | 12 | 0 | $0 | 9 |
| 44 | Placer | A | 12 | 1 | $0 | 8 |
| 45 | Tulare | A | 12 | 3 | $127,885 | 9 |
| 46 | Alpine | A | 11 | 1 | $0 | 7 |
| 47 | Amador | A | 11 | 0 | $0 | 7 |
| 48 | Calaveras | A | 11 | 0 | $0 | 6 |
| 49 | Lassen | A | 11 | 2 | $138,697 | 6 |
| 50 | Mariposa | A | 11 | 0 | $0 | 7 |
| 51 | Merced | A | 11 | 7 | $495,530 | 7 |
| 52 | Nevada | A | 11 | 2 | $1,038 | 6 |
| 53 | Sierra | A | 11 | 1 | $24,835 | 7 |
| 54 | Fresno | A | 11 | 1 | $11,057 | 7 |
| 55 | Imperial | A | 11 | 0 | $0 | 6 |
| 56 | Madera | A | 11 | 1 | $0 | 7 |
| 57 | San Mateo | A | 10 | 11 | $347,342 | 9 |
| 58 | Orange | A | 10 | 10 | $140,559 | 13 |
| 59 | San Francisco | A | 10 | 1 | $0 | 4 |