Flooding in Stockton WHAT YOU NEED TO KNOW

Stockton may be nestled in California’s Central Valley, but it’s surrounded by waterways that pose a significant and growing flood risk. With the San Joaquin River to the west, the Calaveras River running through town, and an extensive levee system keeping high water at bay, Stockton sits on what many experts call “borrowed time.” Just a single storm or levee failure can trigger catastrophic flooding—and climate change is only intensifying that risk.

Here’s what many homeowners don’t know, however: standard homeowners insurance does not cover flood damage. Whether the water comes from a swollen river, overflowing drainage canal, or days of steady rainfall, you’ll need separate private flood insurance in Stockton, CA to be protected.

Flood Zones in Stockton

Stockton includes a mix of FEMA-designated flood zones, with a substantial portion of the city in Zone AE, a high-risk flood zone where flood insurance is often mandatory for homeowners with federally backed mortgages. But don’t be fooled if you’re in Zone X, a moderate- or low-risk area—these neighborhoods still experience frequent urban flooding, especially during major rain events or when levees are strained. In fact, according to FEMA data 40% of flood insurance claims come from outside high-risk zones.