Flood zones for vacant land in Santa Monica
Of the 181 vacant lots in Santa Monica, 1 (under 1%) are in a FEMA high-risk flood zone, where a home loan on a new building needs flood insurance. 180 (99%) are in zone X with minimal risk.
Flood zones in Santa Monica
| FEMA zone | Vacant lots | Share |
|---|---|---|
| X | 180 | 99% |
| AE | 1 | under 1% |
What the letters mean: flood zones explained.
Lots in a high-risk flood zone in Santa Monica
Zones A, AE, AH, AO and VE, lowest assessed value first.
| Lot | Acres | Assessed | Zone |
|---|---|---|---|
| 978 Palisades Beach Rd4292-031-005 | 0.25 | $1,856,721 | AE |
Lots outside the flood zone in Santa Monica
Zone X with minimal risk, lowest assessed value first (25 of 180).
| Lot | Acres | Assessed |
|---|---|---|
| 913 18th St No 4g4277-010-137 | 0.18 | $18 |
| 412 Bay St4289-010-025 | 0.03 | $20,970 |
| 1839 10th St4283-023-024 | 0.08 | $25,471 |
| 238 Ocean Park Blvd4287-010-008 | 0.04 | $39,181 |
| 115 Fraser Ave4288-018-035 | 0.04 | $49,364 |
| 1823 10th St4283-023-021 | 0.17 | $56,231 |
| 2227 Wilshire Blvd4276-005-043 | 0.1 | $58,723 |
| 1524 15th St4282-034-005 | 0.17 | $60,979 |
| 724 Raymond Ave4287-017-011 | 0.13 | $65,489 |
| 728 Raymond Ave4287-017-013 | 0.13 | $65,489 |
| 1619 Ocean Front Walk4290-023-005 | 0.08 | $87,489 |
| 1434 Euclid St4282-023-004 | 0.17 | $107,993 |
| 814 Lincoln Blvd4292-001-004 | 0.17 | $155,974 |
| 1052 19th St4277-026-004 | 0.18 | $162,772 |
| 1341 15th St4282-017-014 | 0.17 | $174,528 |
| 1118 Euclid St4281-019-004 | 0.17 | $177,273 |
| 1123 25th St4276-001-030 | 0.14 | $190,686 |
| 1123 25th St4276-001-032 | 0.14 | $190,686 |
| 2908 Main St4288-009-003 | 0.02 | $191,877 |
| 2329 Delaware Ave4268-015-020 | 0.24 | $201,899 |
| 1253 19th St4276-013-011 | 0.17 | $235,540 |
| 2419 20th St4273-018-015 | 0.16 | $241,518 |
| 2021 La Mesa Dr4407-018-015 | 0.2 | $290,034 |
| 907 Santa Monica Blvd4282-011-033 | 0.06 | $295,449 |
| 1847 16th St4283-032-024 | 0.14 | $336,167 |
Questions about land in Santa Monica
How much vacant land in Santa Monica is in a flood zone?
1 of 181 vacant lots in Santa Monica (under 1%) are in a FEMA high-risk flood zone (A, AE, AH, AO or VE). 180 are zone X with minimal risk.
Do I need flood insurance for land in Santa Monica?
Not for an empty lot: flood insurance covers buildings. If you build in a high-risk zone and borrow from a federally regulated lender, flood insurance on the building is required. under 1% of Santa Monica's vacant lots are in such a zone.
More for Santa Monica: all vacant land · fire hazard zones
Sources
Counts are LandGrab's analysis of 2026 public data for vacant parcels in Los Angeles County, updated 2026-10-19. Maps change; confirm a specific lot with the county before you buy.