Enter any address in Santa Cruz County, California to see its FEMA flood zone
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| SEVERE WINTER STORMS, TORNADOES, FLOODING, LANDSLIDES, AND MUDSLIDES | Severe Storm | 2024-01-31 |
| SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | Flood | 2023-03-09 |
| SEVERE WINTER STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES | Severe Storm | 2023-02-21 |
| SEVERE WINTER STORMS, FLOODING, AND MUDSLIDES | Flood | 2023-01-08 |
| SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES | Flood | 2022-12-27 |
| CZU LIGHTNING FIRE COMPLEX | Fire | 2020-08-20 |
| WILDFIRES | Fire | 2020-08-14 |
| COVID-19 PANDEMIC | Biological | 2020-01-20 |
| COVID-19 | Biological | 2020-01-20 |
| SEVERE WINTER STORMS, FLOODING, AND MUDSLIDES | Flood | 2017-02-01 |
FEMA assigns flood zone designations to areas in Santa Cruz 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 Santa Cruz County, California that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. Over 20% of NFIP claims come from low and moderate-risk areas.
Visit FloodSmart.gov to find an agent and get a quote.