Home insurance in Santa Ana, CA

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

Flood risk in Santa Ana

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 Santa Ana area shows Zone AE, Zone A, Zone D alongside Zone X, which is the lower-risk designation.

Santa Ana 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 060232.

More about insuring a home in Santa Ana

Flood riskHail, wind and your roofYour home rebuild costWhat a policy coversManufactured & mobile homesRV & motorhome

Within 24 hours a licensed agent will email you back a competitive quote.

Not an automated estimate — reviews your details personally. Request a quote