Los Angeles California Flood Insurance

Los Angeles California Flood Insurance

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Like many other high-profile cities, what visitors to Los Angeles, California see and do during their trips is far different from what locals experience in their day-to-day lives. One example of this would be the considerations that property owners must make. While tourists see Los Angeles as a place filled with sunshine, celebrities, and shopping; property owners are thinking about issues like insurance and maintenance. One such issue a property manager must consider is flood insurance.


Unlike other areas of California that are located near large bodies of water or large irrigation canals, much of Los Angeles is not at a significant risk for flooding. The Federal Emergency Management Agency (FEMA) classifies an area as a Special Flood Hazard Area (SFHA) if it has a 1-in-4 chance of being flooded even one time in a thirty year period. Within Los Angeles city limits, the SFHAs are limited to the areas immediately surrounding Ballona Creek.

Terms to Know

Special Flood Hazard Area– this area has a one-in-four chance of flooding during a thirty year period. Properties located in these regions are required to be covered by insurance.

National Flood Insurance Program– Federally-backed provider of flood insurance policies.

National Catastrophe Flood Insurance Program– Privately funded flood insurance policies available in only a limited number of states.

Los Angeles property owners must take this information and make a decision regarding flood insurance coverage. Properties within a SFHA are required by law to be covered under a flood insurance policy. Areas outside the SFHA are not required to be covered, but they may still be affected by flooding at some point in time. As coverage for flood related damages are not covered by standard homeowners or business policies, it is important for all property owners in Los Angeles to make an informed decision regarding their flood insurance needs.

There are two options for flood insurance policies in Los Angeles. The first is to obtain a policy from the National Flood Insurance Program (NFIP). These policies are financially backed by the federal government and are available across the United States. Potential insurees must obtain an elevation certificate before a policy can be issued, and activation of the policy will take place thirty days after the coverage is approved by the lender.

A second option is to obtain a policy from the National Catastrophe Flood Insurance Program (NCIP). The NCIP is underwritten by a private insuring agency and is available in only a handful of states at this time, including California. Elevation certificates are not required, policies are activated fifteen days after approval, and coverage limits are significantly different from the NFIP.

Not only is it important to consider which insurance program to purchase from, it is also important consider why it is important to purchase insurance coverage at all, especially when the risk of floods seems low. The cost of flood-related damages can be astronomically high even when floodwaters are only an inch or two deep. Many property owners do not have this kind of money set aside in a savings account, so any damage may be enough to cause financial ruin. Additionally, while the numbers might suggest that the chance for a flood is low, all it takes is one storm to make that chance a certainty.

Property owners have a number of options for flood insurance in Los Angeles, CA. Investing time and funds to obtain a policy now will provide peace of mind for the future. Contact us now for more information about the Los Angeles California flood insurance.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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