San Jose, California Flood Zones
San Jose faces flooding from Coyote Creek, Guadalupe River, and other waterways draining the surrounding hills. The 2017 Coyote Creek flood displaced thousands of residents and highlighted ongoing flood vulnerabilities.
Common Flood Zones in San Jose
Properties in San Jose, CA are commonly designated in these FEMA flood zones:
Check Your San Jose Address
Enter any San Jose, 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 Jose
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In San Jose, the most common designations are Zone AE, Zone AO, Zone AH, 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 Jose address.