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Flooding in Bakersfield: WHAT YOU NEED TO KNOW
Bakersfield boasts a dry climate and agricultural prowess, but flooding is also a very real threat in this city. The city lies close to the Kern River and is circled by an assortment of foothills, canals, and irrigation systems. Heavy rains, snowmelt from the Sierra Nevada, or drainage failures can cause flooding rapidly. Flooding is also becoming an urban concern as the city continues to grow.
Over 4700 properties in Bakersfield run the risk of flooding as of today, and FEMA reports that just one inch of water entering your home can cause over $25,000 in damage. Yet, many Bakersfield homeowners mistakenly assume their standard homeowners policy will cover flooding. It doesn’t. The only way to fully protect your property is through a separate flood insurance policy.
Flood Zones in Bakersfield
Large portions of Bakersfield are mapped into FEMA flood zones, especially near the Kern River, Mill Creek, and areas with older stormwater systems. Homes in Zone AE and other Special Flood Hazard Areas (SFHAs) usually require flood insurance if they are financed with federally backed mortgages.
However, flooding isn’t limited to high-risk areas. Zone X (moderate-to-low risk) neighborhoods have also reported flood events during major storms. FEMA data indicates that nationwide, about 40% of flood claims come from outside high-risk zones, proving that even areas considered to be low risk are not immune.
Some flood-prone areas in Bakersfield include:
- Downtown Bakersfield (ZIP 93301, 93304) – Mill Creek and older drainage systems create recurring floods.
- Kern River corridor (ZIP 93305, 93306) – residences along the river and canals are seasonally at risk.
- Southwest Bakersfield (ZIP 93309, 93311) – high growth and urban runoff produce pooling during heavy rainfall.
- Oildale & North Bakersfield (ZIP 93308) – low ground areas at risk from both river and flash flooding.
- East Bakersfield (ZIP 93305, 93307) – limited and ageing drainage infrastructure can't always deal with the impact of intense storms.
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If you’re unsure about your zone, you can check FEMA maps or talk to our team of flood insurance experts at Advantage Flood to find out how likely you are to flood and what flood insurance options are available to you.
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When is flood season in Bakersfield ?
The main flood season in Bakersfield occurs from late fall to early spring (November to April). The largest threats are heavy rain from Pacific storms and atmospheric rivers, which typically overwhelm creeks and storm drains. Also, snowmelt from the Sierra Nevada can cause water to rise in the Kern River, sometimes weeks following a storm.
However, summer flash flooding is also possible. Thunderstorms in the mountains can cause water to flow downhill into Bakersfield's residential areas. Due to these threats, staying protected by flood insurance all year round in Bakersfield is greatly advised.
Common causes of flooding in Bakersfield
Flooding in Bakersfield is caused by several reasons:
Kern River overflow – Unusually high precipitation and snowmelt raise river levels.
Stormwater drainage failures – Sudden urbanization has overburdened the city's drainage system.
Mountain storm flash floods – Water flows rapidly into low-lying communities.
Canal or levee failure – Farming infrastructure can overflow in intense rain.
Urban runoff – Pavement and small green areas lessen natural absorption, leaving water to accumulate.
Even the most flood-free neighborhoods can be at risk during extraordinary storms. Bakersfield might sit in a semi-arid valley, but floods are not rare. From river overflow to urban drainage problems, the danger is real and far-reaching. Flood insurance delivers the financial support to rebuild without catastrophic loss.
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We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
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