Enter any address in Napa County, California to see its FEMA flood zone
Riverine and general floods dominate the historical record in Napa County, accounting for 33 events and one death over the last 30 years, alongside 14 flash flood events and 11 coastal flood events.
Recent regional impacts are documented in NOAA storm narratives, including an intense atmospheric river from February 3 to 4, 2025, that brought heavy rain and strong wind to the North Bay, and a storm system impacting the region from December 19 to 25, 2025, which disrupted Christmas holiday travel. Another atmospheric river between November 20 and 23, 2024, caused flooding across the North Bay as a rapidly intensifying cyclone stalled over the area, resulting in nearly a foot of rain in valley locations and as much as two feet in the mountains over three days.
Homeowners and real estate agents should pay the most attention to properties in Zone A, which accounts for the vast majority of historical National Flood Insurance Program claims in the county with 1,162 claims averaging $26,805 and an average recorded water depth of 6 inches. Properties in Zone X_SHADED also warrant attention, showing an average recorded water depth of 7 inches across 48 claims, while unshaded Zone X properties averaged 3 inches of water depth across 80 claims.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
19 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Napa County, California has recorded 58 flood-related events since 1996 according to NOAA's Storm Events Database, including 14 flash floods and 33 river or area floods. The county has received 39 federal disaster declarations, 9 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1964–2023)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storms, Flooding, Landslides, And Mudslides | Flood | Mar 9, 2023 |
| Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides | Severe Storm | Feb 21, 2023 |
| Severe Winter Storms, Flooding, And Mudslides | Flood | Jan 8, 2023 |
| Severe Winter Storms, Flooding, Landslides, And Mudslides | Flood | Dec 27, 2022 |
| Glass Fire | Fire | Sep 27, 2020 |
| Wildfires | Fire | Sep 4, 2020 |
| Lnu Lightning Fire Complex | Fire | Aug 17, 2020 |
| Wildfires | Fire | Aug 14, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Dec 22, 2025 | 0.00K |
| Flood | Feb 4, 2025 | 0.01K |
| Flood | Feb 3, 2025 | 0.00K |
| Flood | Jan 31, 2024 | 0.00K |
| Flood | Dec 29, 2024 | 0.00K |
| Flood | Nov 22, 2024 | 0.01K |
| Coastal Flood | Jul 13, 2022 | 0.00K |
| Coastal Flood | Jul 12, 2022 | 0.00K |
| Coastal Flood | Jul 11, 2022 | 0.00K |
| Coastal Flood | Nov 15, 2020 | 0.00K |
Flood — Dec 22, 2025
A series of storm systems impacted the Bay Area and Central Coast from December 19 to 25th, impacting Christmas holiday travel across the region. The most impactful systems arrived on Christmas Eve and Christmas Day. Two tornado warnings were issued for the coastal regions of San Mateo and Santa Cruz counties based off radar indicated rotation. San Francisco International Airport reported delay...
Flood — Feb 4, 2025
An intense atmospheric river impacted the Bay Area from February 3rd to the 4th, bringing heavy rain and strong wind to the region, especially across the North Bay. The Russian River near Guerneville flooded due to the heavy rain.
Flood — Feb 3, 2025
An intense atmospheric river impacted the Bay Area from February 3rd to the 4th, bringing heavy rain and strong wind to the region, especially across the North Bay. The Russian River near Guerneville flooded due to the heavy rain.
Flood — Jan 31, 2024
A quick-moving cold front came through California on January 31, bringing widespread rain and high winds. A narrow cold frontal rainband (NCFR) developed during the afternoon and evening commute, with moderate to heavy rain across the region as a result. Impacts and post-frontal showers continued through February 1.
Flood — Dec 29, 2024
Multiple weather systems moved through California from December 26 to 29, bringing localized flooding and gusty winds to the region.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Napa County, California:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Napa County, California that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.