Does Balboa Island flood?
Balboa Island, Newport Beach, CA · ZIP code 92662: the ZIP code on 32 of the 32 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Balboa Island have filed flood claims. About 58% of Balboa Island’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 32 claims from the Census block groups that cover Balboa Island, from 1978 through 2010. 16 of them received a payment, totaling $32,861 (not adjusted for inflation). The busiest years were 1998 (6 claims), 1993 (5 claims), 1983 (5 claims).
What this page counts as Balboa Island
We could not find an openly licensed official boundary for Balboa Island, so this page uses a census-based area. For this page, Balboa Island means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Balboa Island (feature 238910) and inside the Newport Beach city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Balboa Island. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Balboa Island
Neighborhood figures are averages. Our address check looks up the FEMA flood zone and California’s fire hazard severity zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Balboa Island
The named streets in Balboa Island, longest first, with how much of each street’s length inside Balboa Island lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Balboa Island; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 4 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| State Rte 1 | 1.0 mi | 0.0% | X (unshaded, minimal) (100%) |
| S Bay Front | 4,870 ft | 14% | X (shaded, 0.2% annual chance) (86%) |
| Park Ave | 4,410 ft | 60% | AO (58%) |
| Promontory Dr W | 3,740 ft | 0.0% | X (unshaded, minimal) (82%) |
| N Bay Front | 3,330 ft | 59% | AE (45%) |
| Promontory Dr E | 2,760 ft | 0.0% | X (unshaded, minimal) (100%) |
| Balboa Ave | 2,560 ft | 71% | AO (67%) |
| E Bay Front | 1,770 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Marine Ave | 1,730 ft | 27% | X (shaded, 0.2% annual chance) (73%) |
| Bayside Dr | 1,540 ft | 0.0% | X (unshaded, minimal) (73%) |
| Onyx Ave | 1,510 ft | 0.7% | X (shaded, 0.2% annual chance) (99%) |
| The Grand Canal | 1,510 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Apolena Ave | 1,510 ft | 82% | AO (82%) |
| Coral Ave | 1,510 ft | 95% | AO (95%) |
| Amethyst Ave | 1,510 ft | 70% | AO (70%) |
| Grand Canal | 1,480 ft | 4.5% | X (shaded, 0.2% annual chance) (96%) |
| Sapphire Ave | 1,470 ft | 55% | AO (55%) |
| Diamond Ave | 1,430 ft | 91% | AO (91%) |
| Crystal Ave | 1,410 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Ruby Ave | 1,390 ft | 99% | AO (99%) |
| Collins Ave | 1,350 ft | 100% | AO (100%) |
| Agate Ave | 1,210 ft | 100% | AO (100%) |
| Opal Ave | 1,180 ft | 100% | AO (100%) |
| Pearl Ave | 1,090 ft | 100% | AO (100%) |
| Abalone Ave | 1,000 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 4, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Balboa Island
Share of Balboa Island’s mapped area (about 1.248 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 8 to 8 feet. Effective date of the FIRM panel(s) covering it (06059C0382K): March 21, 2019.
| FEMA zone | Share of area |
|---|---|
| AE | 43% |
| X (shaded, 0.2% annual chance) | 27% |
| AO | 15% |
| X (unshaded, minimal) | 15% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Balboa Island. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 2 | $567 |
| 1980s | 8 | $7,528 |
| 1990s | 18 | $20,187 |
| 2000s | 2 | $4,579 |
| 2010s | 2 | $0 |
By year of loss
Named flood events with the most claims
- Flooding: 7 claims
- Pineapple Express - Southern: 5 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 30
- Not reported: 1
- X/B/C (moderate or minimal): 1
How much is flood insurance in Balboa Island?
The typical National Flood Insurance Program policy on single-family homes in Balboa Island costs $1,394 a year: the median of 261 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,234 and $1,688. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed November 4, 2026.
Why home insurance costs what it does in Balboa Island
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. This is a ZIP code on at least 5% of the flood claims counted for Balboa Island, within 10 km of it.
- ZIP code 92662: the median National Flood Insurance Program policy cost for single-family homes was $1,394 a year, the middle of 259 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,234 and $1,690. These policies are priced under Risk Rating 2.0.
- ZIP code 92662: NFIP records list 32 flood claims with a loss year from 1978 through 2010. The claims dataset is as of September 8, 2026.
Fire and wind
- Official state fire hazard maps: Very High 0%, High 0%, Moderate 0%, outside any mapped zone 100% of Balboa Island. The publisher of these maps does not endorse this site.
- USDA Forest Service Wildfire Risk to Communities gives Newport Beach, CA a Risk to Homes national percentile rank of 0.877, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Balboa Island alone. The summary file is dated April 15, 2026.
What to ask your agent
- Ask the agent how old the roof is.
- Ask whether a wind-mitigation discount is available for this house.
- Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
- Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
- Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.
What do NFIP records show for flood insurance in Balboa Island?
ZIP code 92662: the median National Flood Insurance Program policy cost for single-family homes was $1,394 a year, the middle of 259 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,234 and $1,690. These policies are priced under Risk Rating 2.0. ZIP code 92662: NFIP records list 32 flood claims with a loss year from 1978 through 2010. The claims dataset is as of September 8, 2026.
What do public fire and wind records show for Balboa Island?
Official state fire hazard maps: Very High 0%, High 0%, Moderate 0%, outside any mapped zone 100% of Balboa Island. The publisher of these maps does not endorse this site. USDA Forest Service Wildfire Risk to Communities gives Newport Beach, CA a Risk to Homes national percentile rank of 0.877, which its methods call High (above the 70th percentile and below the 90th). That is the city rating, not a rating of Balboa Island alone. The summary file is dated April 15, 2026.
What should I ask an insurance agent about a home in Balboa Island?
Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; Fire Hazard Severity Zones; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods.
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Extreme heat in Balboa Island
Trees shade streets and buildings and cool the air around them (U.S. EPA: Using Trees and Vegetation to Reduce Heat Islands). In the USDA Forest Service’s 2025 satellite-based tree canopy map, trees cover about 2.0% of Balboa Island’s area on average, compared with 5.3% for Newport Beach as a whole (the 4 Newport Beach areas on this site combined) (USDA Forest Service. 2026. USFS NLCD Percent Tree Canopy CONUS v2025-6 (2025 map). Salt Lake City, UT).
During a heat advisory, follow the National Weather Service: Heat Safety guidance. Neighborhood averages cannot tell you how hot a particular home, block or unit gets.
Fire hazard severity zones in Balboa Island
California’s 2025 Fire Hazard Severity Zone maps do not place any of Balboa Island in a moderate, high or very high zone (CAL FIRE Office of the State Fire Marshal, Fire Hazard Severity Zones). Wildfire smoke and wind-blown embers can still reach areas outside the zones.
Fire hazard data: CAL FIRE Office of the State Fire Marshal. CAL FIRE does not endorse this site.
Before you rent or buy in Balboa Island
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Balboa Island
Flood maps are only one part of choosing a neighborhood. To compare Balboa Island with other Newport Beach neighborhoods on more than flooding, see Newport Beach on StrollPlace.
Buyer and renter FAQ
Does Balboa Island flood?
Yes. Insured properties in and around Balboa Island have filed flood claims. About 58% of Balboa Island’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 32 claims from the Census block groups that cover Balboa Island, from 1978 through 2010. 16 of them received a payment, totaling $32,861 (not adjusted for inflation). The busiest years were 1998 (6 claims), 1993 (5 claims), 1983 (5 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Balboa Island in a flood zone?
About 58% of Balboa Island’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 43%; X (shaded, 0.2% annual chance) 27%; AO 15%; X (unshaded, minimal) 15%. The FIRM panel(s) covering it took effect March 21, 2019.
Which streets in Balboa Island are in a high-risk flood zone?
Most of the length of Park Ave, N Bay Front, Balboa Ave, Apolena Ave, Coral Ave, Amethyst Ave, Sapphire Ave, Diamond Ave, Ruby Ave, Collins Ave, Agate Ave and Opal Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of State Rte 1, Promontory Dr W, Promontory Dr E, E Bay Front, Bayside Dr, Onyx Ave, The Grand Canal and Grand Canal does. Zones can change along a street, so check the exact address.
What ZIP code is Balboa Island in?
Balboa Island is in Newport Beach, CA. ZIP code 92662: the ZIP code on 32 of the 32 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Balboa Island?
The typical NFIP flood insurance policy on single-family homes in Balboa Island cost $1,394 a year: the median of 261 policies that started between September 1, 2025 and August 31, 2026. Half cost between $1,234 and $1,688. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 4, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Orange County (county code 06059), dataset as of September 8, 2026, retrieved November 4, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 060590630061, 060590630052, 060590630062. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. Tree canopy: the mean of the 2025 NLCD Tree Canopy Cover values (0–100%, 30 m cells in an equal-area projection) for cells whose center lies inside the polygon. Fire hazard severity zones: the 2025 zone polygons (Local and State Responsibility Areas) intersected with the neighborhood polygon in an equal-area projection; the share of area in each class. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 4, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 4, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- USDA Forest Service. 2026. USFS NLCD Percent Tree Canopy CONUS v2025-6 (2025 map). Salt Lake City, UT (30 m cells; read November 4, 2026).
- National Weather Service: Heat Safety.
- U.S. EPA: Using Trees and Vegetation to Reduce Heat Islands.
- CAL FIRE Office of the State Fire Marshal, Fire Hazard Severity Zones (2025 maps; read November 4, 2026).
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- OpenFEMA NFIP Redacted Policies v3.
- OpenFEMA NFIP Redacted Claims v3.
- Fire Hazard Severity Zones.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and November 4, 2026 (flood zones); hazard data computed November 4, 2026. Page last updated November 4, 2026.