Water Risk Profile — ZIP 94132
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
High
Cost Range
$4,500–$38,000
Avg Response
52 min
NFIP
State participates
Local Climate & Risk Factors
San Francisco faces an unusual water damage profile: the city averages 22 inches of rain annually, but atmospheric river events (Pineapple Express storms) can dump 5—10 inches in 24 hours. The 2022—2023 atmospheric river season caused hundreds of millions in damage across SF. Victorian and Edwardian buildings (1880s—1910s) have galvanized steel pipes that have exceeded their 70-year lifespan. Flat-roof Victorians on the west side accumulate standing water during storms. Fog condensation contributes to chronic moisture intrusion in older building envelopes.
Flood-prone areas: Mission District and SoMa have highest flood risk from combined sewer overflow; Sunset and Richmond districts face fog-driven moisture issues; Nob Hill and Pacific Heights have older high-value Victorian buildings with galvanized plumbing most at risk
Water Category Cost Table — San Francisco, CA
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $7.65–$20.9 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $20.9–$25.3 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $29.7–$38.5 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for San Francisco market (9–35/sq ft range).