Home insurance in Modesto, CA

Parts of Modesto are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.

Flood risk in Modesto

Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.

FEMA's current mapping for the Modesto area shows Zone AE alongside Zone X, which is the lower-risk designation.

Modesto takes part in the National Flood Insurance Program but is not in the Community Rating System, so there is no community discount on flood premiums here.

Source: FEMA National Flood Hazard Layer; NFIP community 060387.

More about insuring a home in Modesto

Flood riskHail, wind and your roofYour home rebuild costWhat a policy coversRV & motorhome

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