San Diego, California Flood Zones
San Diego faces coastal flooding, flash flooding in canyon areas, and riverine flooding from the San Diego and Tijuana rivers. Low-lying coastal communities are particularly vulnerable to storm surge and rising sea levels.
Common Flood Zones in San Diego
Properties in San Diego, CA are commonly designated in these FEMA flood zones:
Check Your San Diego Address
Enter any San Diego, CA address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in San Diego
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In San Diego, the most common designations are Zone AE, Zone VE, Zone AO, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any San Diego address.