How often floodwater reaches Santa Monica homes
Built from Los Angeles County flood, weather and housing records, with what each figure means for your home.
Expected inland flood losses in Santa Monica's ZIP codes run about $113 a year per $100,000 of building value, against $164 across Los Angeles County.
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A guide for water damage restoration in Santa Monica and the towns around it.
67% of homes in Santa Monica sit in larger multi-unit buildings, compared with 24% across California.
Flood risk in Santa Monica, in short
Floodwater reaches Santa Monica homes less often than homes elsewhere in Los Angeles County. FEMA's National Risk Index puts the city's expected yearly inland flood loss at 113 per $100,000 of building value, against 164 for the county and 149 for California. FEMA flood insurance records show 0.2 claims per 1,000 homes in the county from 2016 to 2025, below the state's 0.5, and 0.5% of county homes carry federal flood insurance.
Low is still not zero. Los Angeles County has had 8 major disaster declarations for floods and storms since 2000, and NOAA storm reports logged 29 days with flash flood or flood reports from 2016 to 2025. Rain comes in a few heavy bursts: NOAA climate normals show about 3 days a year with an inch of rain or more. On those days, runoff from hillsides and paved streets outruns the drains, and ground-floor units, garages and below-grade parking fill first. When a flood claim was paid in the county, the building payment averaged $38,214.
Water that comes in from outside is Category 3. It carries soil, street runoff and often sewage, so the restoration crew removes soaked drywall, padding and insulation instead of drying them. A standard homeowners or renters policy does not pay for it. Only flood insurance does, and a new federal flood policy usually takes 30 days to start. For flood damage restoration in the Santa Monica area, check your flood policy first.
Santa Monica flood figures
The city of Santa Monica counts about 91,535 residents, by the Census; the figures below are its own.
71% of homes in Santa Monica are rented.
75% of homes in Santa Monica were built before 1980.
11% of households in Santa Monica moved in from 2021 on, compared with 9% across California.
- 113 Yearly inland flood loss per $100,000 of building valueLos Angeles County: 164
- 67% Homes in buildings with 5 or more unitsLos Angeles County: 36%
- 71% Homes that are rentedLos Angeles County: 54%
- 52,381 Housing units
- 91,535 Residents
- 75% Homes built before 1980Los Angeles County: 71%
- 22% Homes built before 1950Los Angeles County: 24%
- 0% Mobile and manufactured homesLos Angeles County: 2%
- 3 Days a year with an inch of rain or moreLos Angeles County: 4
Sources: U.S. Census Bureau, American Community Survey 2019-2023 5-year estimates; FEMA OpenFEMA, FIMA NFIP Redacted Claims v3, claims from 2016 to 2025 (not endorsed by FEMA); FEMA OpenFEMA, NFIP Residential Penetration Rates v1 (not endorsed by FEMA); FEMA National Risk Index v1.20, December 2025 (not endorsed by FEMA); NOAA NCEI, U.S. Climate Normals 1991-2020, nearest weather station; FEMA OpenFEMA, Disaster Declarations Summaries v2 (not endorsed by FEMA); NOAA NCEI Storm Events Database, 2016 to 2025.
Lowering the risk in Santa Monica
Census figures show 67% of Santa Monica homes are in buildings with 5 or more units, so storm prep here often means talking to the building manager. Ask whether the roof drains and downspouts were cleared after the dry season, and whether downspouts empty away from the foundation instead of onto walkways that slope toward the building. Report standing water near ground-floor units or the parking area before the next rain.
Buildings with a sump pump or drainage pump should have it tested, with a battery or generator backup, since a storm can cut power when the pump is needed most. Basement window wells and light wells need clearing so they do not fill and spill inward. Inside your own unit, move papers, electronics and photos off the floor and away from exterior walls.
With 71% of homes rented, many residents rely on contents coverage that the landlord's policy does not provide. Check your address on FEMA's flood map, and remember FEMA notes a 30-day waiting period before a new flood policy takes effect.
If water gets in, shut off the source if it is plumbing, cut power to wet rooms and photograph everything, then tell the manager so neighbors below can be checked. In a multi-unit building, water often travels through the floor into the unit beneath, which calls for water-stained ceiling repair there. Shared hallways and garages fall under business water damage cleanup, which the building owner arranges. A landlord with a second building can arrange water removal in Torrance through the same phone line.
Records to keep before a flood
Before storm season, look up your address on the FEMA Flood Map Service Center to see its flood zone, and keep a copy. Walk through the house with your phone and record each room, including the basement, the furnace and the water heater. Keep your policy numbers, the main water shutoff location and the breaker panel location written down somewhere you can reach without power. Move papers, photos and electronics off basement floors. If a flood comes, those records make cleanup and any claim faster, and they help the restoration company see what the rooms looked like before the water. Floodwater that reached hardwood or laminate usually means floor water damage repair after drying.
Santa Monica flood questions
What does a FEMA flood risk rating mean for my Santa Monica home?
How do I keep storm water out of a Santa Monica basement?
Is flood cleanup different from other water damage?
What should I do after floodwater gets into my Santa Monica home?
Where can I check the flood zone for a Santa Monica address?
Other guides for Santa Monica
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water damage insurance guide for Santa Monica
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A step-by-step first hour for Santa Monica homes with water damage.
burst pipe guide for Santa Monica
Burst and frozen pipes in Santa Monica: causes, first steps and costs.
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