Flood insurance • Long Beach, California • 2026
Flood Insurance in Long Beach, CA: Coastal Flooding, King Tides, and Quotes
Long Beach’s flood risk is concentrated along the coast. In October 2026, high surf broke through a gap in the Peninsula’s bulkhead, flooding streets and leading the city to red-tag eight buildings, and king tides near 8 feet in June 2026 washed over berms and left mud on nearby streets.
Standard homeowners, condo, and renters policies exclude flood, so a separate flood policy is the only way to cover damage from rising water.
Blake Insurance Group is an independent agency based in Tucson that serves Long Beach homeowners and renters by phone and online. We do not have an office in Long Beach, and we compare National Flood Insurance Program (NFIP) and private flood options from the insurers we are appointed with for your exact address.
Get Long Beach flood insurance quotes
Tell us your Long Beach address, whether you own or rent, your flood zone if you know it, and the coverage you want, and a licensed agent will follow up with NFIP and private flood options available to us. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email info@blakeinsurancegroup.com.
Prefer to quote online yourself?
Get a flood quote online from Neptune Flood, or start a home, auto, or renters quote with BOLT, without waiting for a call back.
Get a flood quote from Neptune →Private flood insurance quotes online from Neptune Flood.
Start a home or auto quote with BOLT →Home, auto, and renters quotes through our secure BOLT online portal.
Sponsored. Each link opens the partner’s website in a new tab, where its terms and privacy policy apply. Blake Insurance Group may be compensated if you buy.
Flood risk in Long Beach: what drives it
Long Beach has low-lying coastal neighborhoods around Alamitos Bay and flood control channels running through the city. Three things drive most flood claims.
High surf, king tides, and erosion
The Peninsula beach has narrowed sharply, and the city trucks sand and builds berms each winter to hold back the ocean.
Sea-level rise
City projections show sea levels rising by up to about 2 feet by 2050, putting nearly 2,000 homes in Naples, Belmont Shore, and the Peninsula at greater risk.
Flood control channels and street flooding
Los Angeles County found levees on Compton Creek and the Dominguez Channel cannot contain a 100-year flood, and heavy rain in February 2024 flooded the 710 Freeway and streets near Pacific Coast Highway.
Long Beach flood zones and maps
Higher-risk areas include Naples, Belmont Shore, the Peninsula, and homes next to Alamitos Bay, plus areas near the Compton Creek and Dominguez Channel levees that FEMA is mapping as mandatory-insurance zones. Downtown, Bluff Park, and parts of Belmont Heights sit higher and have lower risk.
FEMA flood maps label higher-risk areas as Special Flood Hazard Areas, such as Zones A and AE, and lower-risk areas as Zones X, B, or C. If your building is in a high-risk zone and you have a federally backed mortgage, your lender will require flood insurance. Outside those zones, coverage is optional, but flood damage is still excluded from standard homeowners and renters policies.
You can look up an address on the FEMA Flood Map Service Center. Maps show estimated risk, not a guarantee, and do not capture every street or wash that floods during a heavy storm.
Coverage priorities for Long Beach homeowners and renters
| Your situation | Coverage to review | Why it matters |
|---|---|---|
| Peninsula or Naples homeowner | Building and contents flood | Surf and tides already flood these streets |
| Condo owner near the beach | Unit flood coverage alongside the association’s master policy | The association policy may not cover your improvements or belongings |
| Homeowner near Compton Creek or the Dominguez Channel | Flood zone check and building flood coverage | New FEMA maps may require flood insurance |
| Renter in a ground-floor unit | Contents-only flood coverage | Your landlord’s policy does not cover your belongings |
Examples only, not recommendations. Coverage availability and terms vary by insurer.
California flood facts every Long Beach property owner should know
- Flood is excluded from homeowners and renters policies. Rising water from a river, a channel, the ocean, or a levee break, or heavy rain that pools around a building, is flood damage. It needs a separate flood policy.
- Sewer backup is a separate gap. Water backing up through floor drains or toilets is usually covered only by a water backup endorsement on your homeowners policy. A flood policy covers backup only when it is caused directly by a flood.
- Basements have limited flood coverage. NFIP policies cover only certain items below ground level, such as furnaces, water heaters, and washers and dryers, not finished walls, flooring, or most belongings. Some private policies offer more.
- Sellers must disclose mapped flood zones. California’s Natural Hazard Disclosure Statement tells buyers whether a home is in a FEMA Special Flood Hazard Area or a dam inundation area before escrow closes.
- Landlords must disclose known flood risk. For leases signed on or after July 1, 2018, landlords who know a property is in a flood hazard area must say so, point tenants to the state’s MyHazards tool, and note that the owner’s insurance does not cover tenants’ belongings.
- Lenders require flood insurance in high-risk zones. If your building is in a Special Flood Hazard Area and your mortgage is federally backed, flood insurance is required. Elsewhere it is optional.
- State floodplain help. The California Department of Water Resources coordinates the NFIP in the state, and city and county floodplain staff can help you find your zone.
NFIP vs. private flood insurance: what to compare
Most flood policies come from the National Flood Insurance Program, run by FEMA, or from a private flood insurer. Line up each quote on the same terms before comparing price.
| Coverage | What to compare |
|---|---|
| Building coverage | Same limit. The NFIP pays up to $250,000 for a home's structure. Private flood insurers may offer higher limits. |
| Contents coverage | Same limit. The NFIP pays up to $100,000 for belongings, and renters can buy contents-only coverage. |
| Deductibles | Same deductibles. Building and contents deductibles are often separate. |
| Loss settlement | Whether the building is paid at replacement cost or actual cash value, and how contents are paid |
| Living expenses | The NFIP does not pay for a hotel or other extra living costs. Some private policies do. |
| Basements | The NFIP limits what it covers below ground level. Check what each policy pays for in a basement. |
| Waiting period | NFIP policies usually take effect after 30 days, with some exceptions, such as a loan closing. Private waiting periods vary. |
Long Beach areas and ZIP codes we quote
We quote flood insurance across Long Beach, including Naples, Belmont Shore, the Peninsula, Alamitos Beach, Downtown, Bluff Heights, Wrigley, West Long Beach, North Long Beach, Bixby Knolls, Los Altos, and El Dorado Park Estates.
- 90802
- 90803
- 90804
- 90805
- 90806
- 90807
- 90808
- 90810
- 90813
- 90814
- 90815
Flood insurance is priced by the exact address, including its flood risk, the building's elevation and foundation, its replacement cost, and the coverage and deductibles you choose. Have your address and, if you have one, your elevation certificate ready.
Ways to lower your Long Beach flood premium
- Compare NFIP and private quotes. Since FEMA's Risk Rating 2.0, NFIP prices reflect each property's own risk, and a private quote can come in higher or lower for the same home.
- Choose a higher deductible if you can afford it after a loss.
- Get an elevation certificate. It can help, especially for buildings in high-risk zones.
- Reduce the damage a flood can do. Raising utilities, adding flood openings, or elevating the building can lower the price over time.
- Ask about community discounts. Communities in FEMA's Community Rating System can earn NFIP discounts for their residents.
Discounts and pricing factors vary by insurer and program.
Closing on a home? If your lender requires flood insurance, tell us your closing date. NFIP policies tied to a loan closing can start without the usual 30-day wait. Call 888-387-3687.
Long Beach flood insurance FAQs
Do I need flood insurance in Long Beach?
If your building is in a high-risk flood zone and you have a federally backed mortgage, your lender will require it. Elsewhere it is optional, but flood damage is excluded from homeowners and renters policies.
Which Long Beach neighborhoods have the highest flood risk?
Naples, Belmont Shore, the Peninsula, and homes next to Alamitos Bay, plus areas near the Compton Creek and Dominguez Channel levees.
Does flood insurance cover damage from king tides or high surf?
Rising ocean water that floods a building is flood damage, which a flood policy covers and homeowners policies exclude.
Do California landlords have to disclose flood risk?
Yes. For leases signed since July 1, 2018, landlords who know a property is in a flood hazard area must disclose it.
How long does a flood policy take to start?
NFIP policies usually take effect after 30 days, with exceptions such as a policy tied to a loan closing. Private waiting periods vary.
Nearby areas and related guides
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state.
Availability. Coverage, prices, discounts, waiting periods, and eligibility vary by insurer, program, and property, and are subject to underwriting. The issued policy controls. This page is general information, not legal advice. Flood zone information is general; check the official map for your address.
Service area. Blake Insurance Group is based in Tucson and serves Long Beach clients by phone and online. We do not claim a physical office in Long Beach.
Your next step
Request a quote, and a licensed agent will compare NFIP and private flood options available to us for your Long Beach address.
