Does Oxnard Shores flood?
Oxnard Shores, Oxnard, CA · ZIP code 93035: the ZIP code on 35 of the 37 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Oxnard Shores have filed flood claims. About 23% of Oxnard Shores’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 37 claims from the Census block groups that cover Oxnard Shores, from 1978 through 2023. 26 of them received a payment, totaling $192,084 (not adjusted for inflation). The busiest years were 1983 (16 claims), 1995 (5 claims), 1998 (5 claims).
What this page counts as Oxnard Shores
We could not find an openly licensed official boundary for Oxnard Shores, so this page uses a census-based area. For this page, Oxnard Shores 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 Oxnard Shores (feature 253342) and inside the Oxnard 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 Oxnard Shores. 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 Oxnard Shores
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 Oxnard Shores
The named streets in Oxnard Shores, longest first, with how much of each street’s length inside Oxnard Shores lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Oxnard Shores; 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. 68 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Harbor Blvd | 1.8 mi | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Mandalay Beach Rd | 1.8 mi | 5.1% | X (shaded, 0.2% annual chance) (95%) |
| W Wooley Rd | 1.3 mi | 2.2% | X (unshaded, minimal) (56%) |
| Victoria Ave | 1.1 mi | 0.0% | X (shaded, 0.2% annual chance) (56%) |
| S Harbor Service Blvd | 1.0 mi | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W 5th St | 3,040 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Channel Islands Blvd | 2,510 ft | 7.4% | X (shaded, 0.2% annual chance) (93%) |
| Harbour Island Ln | 2,440 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Martinique Ln | 2,360 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Vina del Mar | 2,050 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| San Sebastian Dr | 2,030 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| S Victoria Service Ave | 1,910 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| W Hemlock St | 1,890 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Viewpoint Dr | 1,890 ft | 0.0% | X (unshaded, minimal) (99%) |
| Bayside Cir | 1,890 ft | 0.0% | X (unshaded, minimal) (100%) |
| Dunes St | 1,850 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Costa de Oro | 1,750 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Seabridge Ln | 1,700 ft | 7.8% | X (unshaded, minimal) (92%) |
| Sunset Dr | 1,650 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Chesapeake Dr | 1,640 ft | 0.0% | X (unshaded, minimal) (100%) |
| Tradewinds Dr | 1,630 ft | 0.0% | X (unshaded, minimal) (100%) |
| Falkirk Ave | 1,530 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Waterside Ln | 1,510 ft | 0.0% | X (unshaded, minimal) (100%) |
| Driftwood St | 1,490 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Antigua Way | 1,480 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 Oxnard Shores
Share of Oxnard Shores’s mapped area (about 5.38 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 21 feet. Effective date of the FIRM panel(s) covering it (06111C0884F, 06111C0903F, 06111C0911F): January 29, 2021.
| FEMA zone | Share of area |
|---|---|
| X (shaded, 0.2% annual chance) | 61% |
| X (unshaded, minimal) | 15% |
| VE | 12% |
| AE | 11% |
| A | 0.0% |
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 Oxnard Shores. 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 | 3 | $10,061 |
| 1980s | 19 | $98,574 |
| 1990s | 13 | $31,195 |
| 2000s | 1 | $41,951 |
| 2020s | 1 | $10,302 |
By year of loss
Named flood events with the most claims
- Flooding: 17 claims
- Pineapple Express - Southern: 5 claims
- California Atmospheric River: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 18
- V/VE (coastal high hazard): 15
- Not reported: 3
- A/AE/AH/AO (high risk): 1
Why home insurance costs what it does in Oxnard Shores
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 Oxnard Shores, within 10 km of it.
- ZIP code 93035: the median National Flood Insurance Program policy cost for single-family homes was $1,266 a year, the middle of 316 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,164 and $1,459. These policies are priced under Risk Rating 2.0.
- ZIP code 93035: NFIP records list 54 flood claims with a loss year from 1978 through 2023. The claims dataset is as of September 8, 2026.
Fire and wind
- Official state fire hazard maps: Very High 0%, High 3.5%, Moderate 1.9%, outside any mapped zone 94.6% of Oxnard Shores. The publisher of these maps does not endorse this site.
- USDA Forest Service Wildfire Risk to Communities gives Oxnard, CA a Risk to Homes national percentile rank of 0.397, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Oxnard Shores 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 Oxnard Shores?
ZIP code 93035: the median National Flood Insurance Program policy cost for single-family homes was $1,266 a year, the middle of 316 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $1,164 and $1,459. These policies are priced under Risk Rating 2.0. ZIP code 93035: NFIP records list 54 flood claims with a loss year from 1978 through 2023. The claims dataset is as of September 8, 2026.
What do public fire and wind records show for Oxnard Shores?
Official state fire hazard maps: Very High 0%, High 3.5%, Moderate 1.9%, outside any mapped zone 94.6% of Oxnard Shores. The publisher of these maps does not endorse this site. USDA Forest Service Wildfire Risk to Communities gives Oxnard, CA a Risk to Homes national percentile rank of 0.397, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Oxnard Shores alone. The summary file is dated April 15, 2026.
What should I ask an insurance agent about a home in Oxnard Shores?
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 Oxnard Shores
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 1.1% of Oxnard Shores’s area on average, compared with 1.1% for Oxnard as a whole (the 1 Oxnard 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 Oxnard Shores
California’s 2025 Fire Hazard Severity Zone maps place about 3.5% of Oxnard Shores’s mapped area in a High fire hazard severity zone, 1.9% in Moderate; 95% is outside any zone (CAL FIRE Office of the State Fire Marshal, Fire Hazard Severity Zones).
The zones describe the fire hazard of the land, from vegetation, terrain, fire weather and wind-blown embers, not the risk to a particular home. Homes in these zones face stricter building and defensible-space rules, sellers must disclose the zone to buyers, and home insurance can be harder to find. Ask about the roof, vents and the clearance around the building, and get insurance quotes early.
Fire hazard data: CAL FIRE Office of the State Fire Marshal. CAL FIRE does not endorse this site.
Before you rent or buy in Oxnard Shores
- 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 Oxnard Shores
Flood maps are only one part of choosing a neighborhood. For what day-to-day life in Oxnard Shores is like, from parks to errands, see Living in Oxnard Shores, Oxnard on StrollPlace.
Buyer and renter FAQ
Does Oxnard Shores flood?
Yes. Insured properties in and around Oxnard Shores have filed flood claims. About 23% of Oxnard Shores’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 37 claims from the Census block groups that cover Oxnard Shores, from 1978 through 2023. 26 of them received a payment, totaling $192,084 (not adjusted for inflation). The busiest years were 1983 (16 claims), 1995 (5 claims), 1998 (5 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Oxnard Shores in a flood zone?
About 23% of Oxnard Shores’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (shaded, 0.2% annual chance) 61%; X (unshaded, minimal) 15%; VE 12%; AE 11%; A 0.0%. The FIRM panel(s) covering it took effect January 29, 2021.
Which streets in Oxnard Shores are in a high-risk flood zone?
No street listed here has most of its length in FEMA high-risk zones. Less than 10% of Harbor Blvd, Mandalay Beach Rd, W Wooley Rd, Victoria Ave, S Harbor Service Blvd, W 5th St, W Channel Islands Blvd and Harbour Island Ln does. Zones can change along a street, so check the exact address.
What ZIP code is Oxnard Shores in?
Oxnard Shores is in Oxnard, CA. ZIP code 93035: the ZIP code on 35 of the 37 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.
Is Oxnard Shores in a fire hazard zone?
About 5% of Oxnard Shores’s mapped area is in a moderate, high or very high fire hazard severity zone on California’s 2025 maps. The zone for one address can differ; the address check on this site looks it up.
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 Ventura County (county code 06111), 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: 061110036092, 061110036091, 061110036093. 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).
- 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.