Bakersfield, CA Home InsuranceHome insurance in Bakersfield, CA
Parts of Bakersfield are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.
Flood risk in Bakersfield
Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.
FEMA's current mapping for the Bakersfield area shows Zone AE, Zone A alongside Zone X, which is the lower-risk designation.
Bakersfield takes part in the National Flood Insurance Program but is not in the Community Rating System, so there is no community discount on flood premiums here.
Source: FEMA National Flood Hazard Layer; NFIP community 060077.
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