Short answer: San Joaquin County's FEMA National Risk Index report ranks hazards for Stockton tracts. The California FAIR Plan backs the market.
This guide is general information for homeowners and drivers in the Stockton area (San Joaquin County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for San Joaquin County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for San Joaquin County
See FEMA's National Risk Index and the San Joaquin County report.
Federal disaster declarations in San Joaquin County
FEMA's disaster declarations data shows 18 major disaster declarations that included San Joaquin County since 1964, led by flood events (8), severe storm events (6) and dam/levee break events (1). The most recent: Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides, 2023, Severe Winter Storms, Flooding, Landslides, and Mudslides, 2023, Severe Winter Storms, Flooding, and Mudslides, 2017 and Severe Storms, Flooding, Landslides, and Mudslides, 2006. FEMA also lists 5 emergency declarations for the county in the same data.
Looking up a Stockton property
Stockton's Flood Risk Information Portal, run with Forerunner, gives every property in city limits a public profile. It shows the flood zone, base flood elevation, design flood elevation, any compliance warnings and any elevation certificate already on file. That can save you the cost of a new survey. FEMA's current maps for San Joaquin County date from a 2009 update that replaced paper maps from the early 1980s.
The 200-year standard and your insurance
California's SB 5 requires 200-year flood protection for new development in the Central Valley, and Stockton's building and zoning changes apply to permits issued after July 2, 2016. The 200-year map shows a large part of the west side near I-5, plus some central and eastern areas, flooding in that event. The city is clear that these state rules don't trigger a flood insurance requirement; FEMA's 100-year zones do. It strongly encourages every homeowner and renter to consider flood coverage anyway.
Residual market
The California FAIR Plan provides fire coverage for declined homes.
More for Stockton policyholders
Levees reduce but do not remove flood risk; check the MSC and price flood insurance even in shaded X zones. Earthquake coverage is available from the California Earthquake Authority.
Auto: California
California DMV: 30/60/15.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in California.
Frequently asked questions
Is earthquake included in homeowners?
No.
What auto liability does California require?
30/60/15.
Does a Stockton homeowners policy cover flood?
No; flood needs a separate policy.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.