Flood insurance in San Joaquin County, California
How many buildings are insured against floods, what policies cost, and how much FEMA's flood insurance program has paid out, from official NFIP records.
Flood claims paid per year
NFIP claims paid in San Joaquin County, 2000–2026
The three costliest years. The worst was 2023, with $1.5 million paid on 47 claims.
Insured buildings by flood zone
Zone not reported for 34% of policies; shares are of policies with a known zone.
Costliest flood events
Named events by NFIP claims paid in San Joaquin County
| Event | Year | Claims | Paid |
|---|---|---|---|
| Flooding | 1997 | 68 | $2.4 million |
| California Atmospheric River | 2023 | 45 | $1.5 million |
| California Atmospheric River | 2022 | 13 | $947 thousand |
| Flooding | 1996 | 16 | $739 thousand |
| Pineapple Express - Southern | 1998 | 57 | $333 thousand |
Flood insurance by ZIP code
ZIP codes in San Joaquin County with at least 50 policies
| ZIP | Policies | Avg premium | Claims since 1978 | Paid |
|---|---|---|---|---|
| 95204 | 1,301 | $1,217 | 36 | $194 thousand |
| 95219 | 611 | $656 | 16 | $28 thousand |
| 95206 | 467 | $827 | 14 | $579 thousand |
| 95304 | 266 | $630 | 53 | $1.1 million |
| 95242 | 263 | $1,084 | 7 | $4,192 |
| 95337 | 195 | $695 | 60 | $2.1 million |
| 95207 | 191 | $514 | 15 | $115 thousand |
| 95209 | 185 | $641 | 10 | $423 thousand |
| 95215 | 164 | $1,181 | 23 | $265 thousand |
| 95686 | 145 | $739 | 21 | $419 thousand |
| 95240 | 127 | $902 | 21 | $67 thousand |
| 95330 | 121 | $795 | 29 | $757 thousand |
| 95203 | 102 | $1,207 | 15 | $124 thousand |
| 95210 | 68 | $599 | 2 | $0 |
| 95336 | 61 | $914 | 14 | $103 thousand |
Common questions
How much does flood insurance cost in San Joaquin County?
The average NFIP flood insurance policy in San Joaquin County costs about $911 a year. The California average is $1,087. Your own premium depends on your building's flood risk, elevation and the coverage you choose.
How many homes have flood insurance in San Joaquin County?
There are about 4,635 National Flood Insurance Program policies in force in San Joaquin County, according to FEMA's latest policy data. Private flood policies are not included.
How often does San Joaquin County flood?
Since 1978, NFIP policyholders in San Joaquin County have filed 421 flood claims, with $8.2 million paid out. 105 of those claims were in the last 10 years.
Does homeowners insurance cover flooding?
No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.
How long until a new flood policy starts?
NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.
How to get flood insurance
Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.