Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
High
Cost Range
$4,800–$38,000
Avg Response
49 min
NFIP
State participates
Coyote Creek and Guadalupe River flooded thousands of Silicon Valley homes in February 2017 during the Oroville Dam crisis atmospheric river event — San Jose's most costly modern flood disaster at over $100 million in damage. Santa Clara Valley's flat terrain and clay soils create rapid ponding during any storm exceeding half an inch per hour
Flood-prone areas: Highest flood risk areas: Rock Springs and Naglee Park near Coyote Creek, areas near Guadalupe River through Downtown, East San Jose low-lying areas near Story Road and King Road
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $5.1–$13.3 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $13.3–$16.1 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $18.9–$24.2 |
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 Jose market (6–22/sq ft range).
