California Home-Insurance Distress by County

Home-insurance distress across California is below the national norm: 58 counties average 29/100, 23rd of 52 states.

6 of California's 58 counties score 70 or higher (severe).

California's reading rests on a FEMA hazard average of 17/100 and NFIP flood-claim stress of 50/100.

Over three years California counties filed 974 NFIP flood claims, $48,714,542 paid.

Highest in California: Los Angeles County 95/100 (#33 US), Riverside County 83/100 (#300 US), Butte County 81/100 (#348 US), Ventura County 78/100 (#420 US), San Bernardino County 78/100 (#425 US).

California counties by insurance band: 29 low (California), 14 zero, 12 medium, 3 high; California NFIP claims, three years: 974; California payouts $48.7 million.

California counties with the most NFIP claims: San Diego 246 ($22.6 million); Los Angeles 218 ($6.4 million); Marin 75 ($4.8 million) in California; Sonoma 65 ($1.4 million); San Bernardino 46 ($2.1 million).

California county average fell: 29.1 in March 2026; California reads 28.5 in October 2026; California by month: March 29.1, April 29.1, May 28.6 (California), June 28.6, July 32.4, August 28.4 (California), September 30.1, October 28.5.

Highest California ZIPs, insurance distress: 81008 42 (climate 83), 98125 0 (climate 100) in California, 60643 0 (climate 100), 90043 0 (climate 100) in California, 91361 0 (climate 100), 92861 0 (climate 100) in California.

Reading the California bands: 3 of 58 California counties sit in a high or worse insurance band; California filed 974 NFIP claims in three years, $48.7 million paid to California policyholders; a California county's band moves when FEMA hazard revisions, new California NFIP settlements or carrier filings change its monthly score.