San Francisco, California Flood Zones
San Francisco is vulnerable to coastal flooding along the Bay shoreline, particularly in areas built on fill such as the Marina District and Mission Bay. Sea level rise is projected to significantly increase flood risk in low-lying neighborhoods.
Common Flood Zones in San Francisco
Properties in San Francisco, CA are commonly designated in these FEMA flood zones:
Check Your San Francisco Address
Enter any San Francisco, 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 Francisco
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In San Francisco, the most common designations are Zone AE, Zone VE, 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 Francisco address.