Mesas cut by roughly 200 canyons give San Diego its shape, and that terrain decides where storm water goes. Rain that falls on rooftops and streets up on the mesas drains fast into canyon bottoms, creek channels and the San Diego River, and the homes closest to those low points take the brunt when a storm overwhelms the system. On January 22, 2024, that played out along Chollas Creek, where the rain exceeded what the stormwater channels in the watershed were built to carry and hundreds of people had to be rescued, many of them in Southcrest.
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Chollas Creek and the January 2024 Flood
Chollas Creek starts in La Mesa and Lemon Grove and runs southwest through City Heights, Encanto, Southcrest and Shelltown before reaching San Diego Bay at Barrio Logan. It has flooded neighborhoods before, in 1951, 1969, 1978 and 1979, but January 22, 2024 was different in scale: it was the fourth-heaviest rainfall day recorded since 1850. Trash and debris in the creek bed made things worse, water rose into homes and cars, a state of emergency was declared and the Red Cross opened shelters.
Flooding like that is a category of its own. Creek water carries silt, sewage and street runoff, so drywall, insulation and carpet it touched usually cannot be saved. Flood cleanup after an overflow means pumping out water and mud, cutting out wet wall material well above the waterline, disinfecting and only then drying the framing. Families who stayed with relatives or in shelters often came back days later, so assume anything that sat wet that long needs a careful look.
Mission Valley, the San Diego River and Low Ground
The San Diego River travels 52 miles from the Cuyamaca Mountains, passing Santee and Mission Trails before crossing Mission Valley to the ocean near Ocean Beach. The valley's flooding history goes back to the Great Flood of 1862, which covered Mission Valley and reached houses in Old Town, and to 1916, still remembered as the city's worst recorded flood. Channel work in the 1980s reshaped the river through the valley, but low ground near any waterway deserves a check of the current FEMA flood map.
Standard homeowners and renters policies generally do not cover rising surface water. Flood insurance is a separate policy, and most come with a waiting period before coverage starts, so it is worth looking at before the rainy season rather than during it.

Mesa-Top Homes, Canyon Edges and Winter Roof Leaks
Most San Diego water damage has nothing to do with creeks. Coastal rainfall averages about 10.65 inches a year, nearly all of it between December and March, and the dry months in between let roof problems hide. The first strong storm of the season tends to expose cracked flashing, worn underlayment and clogged gutters all at once. Homes on canyon rims can also get runoff from a slope above or behind the lot, which shows up as water at a slider, a wet garage floor or a soaked planter bed against a stucco wall.
Inside the house, the usual suspects are supply lines to toilets and sinks, washing machine hoses, water heaters in garages and closets, and slab leaks in pressurized pipes. Condo and apartment buildings add a twist: a leak in one unit can wet ceilings and walls in two or three others, and the HOA's master policy and each owner's policy may cover different parts of the damage.
Your First Hours: Leaks, Overflows and Paperwork
- Shut off the water at the fixture or main, and keep away from outlets and cords in wet rooms.
- Report street or channel flooding to the City's emergency dispatch line, 619-527-7500, rather than wading in.
- Photograph every room before moving furniture or pulling up flooring.
- Notify your insurer, and your HOA or landlord if you live in a shared building.
- Keep receipts for emergency repairs, hotel stays and supplies.
A restoration provider will typically extract water, take moisture readings in walls and subfloors, remove what cannot be dried, and set up dehumidifiers and air movers. Professional structural drying usually takes several days, checked against daily readings until materials reach normal levels.

Marine Layer Humidity and Mold Growth
The marine layer that keeps the coast cool also keeps it damp, especially in May and June, and wet materials near the beach dry more slowly than many owners expect. Mold can begin growing on soaked drywall or carpet pad within a day or two. Small spots on hard surfaces can be cleaned, but a musty smell, staining that spreads or growth inside walls calls for an inspection and, if needed, contained removal. Fixing the leak comes first, because mold returns wherever moisture does.
Where Callers in the San Diego Area Are
Calls come in from across San Diego, including:
- Southcrest
- Shelltown
- City Heights
- Encanto
- Barrio Logan
- Mission Valley
- Point Loma
- Pacific Beach
- Ocean Beach
- La Jolla
The same line also serves nearby communities such as:
- Chula Vista
- National City
- La Mesa
- Lemon Grove
- El Cajon
- Santee
- Coronado
Questions From San Diego Property Owners
Where can I get sandbags in San Diego before a storm?
The City of San Diego hands out empty sandbags at recreation centers in each council district, limited to 10 bags per household or business. Check the City's storm preparedness page for the current list of locations. Sandbags help redirect shallow runoff away from doors and garage entries, but they will not stop deep floodwater, so pair them with clear gutters and a plan to move valuables up.
Does homeowners insurance cover damage from the January 2024 type of creek flooding?
Usually not. Standard homeowners and renters policies generally exclude flooding from rising surface water, such as an overflowing creek or channel. That damage falls under separate flood insurance, which many households near Chollas Creek and other waterways did not carry. Sudden internal leaks, like a burst supply line, are a different matter and are often covered. Ask your agent to explain the difference for your property.
My condo ceiling is leaking from the unit above. Who pays for the repairs?
The answer turns on the leak's origin and on your association's CC&Rs. Often the HOA's master policy covers common elements and the building structure, while each owner's policy covers interior finishes and belongings. Notify the association and the upstairs owner in writing right away, photograph the damage, and have a restoration provider document moisture levels so everyone is working from the same record.
How do I know if my home is in a flood zone?
Enter your address in FEMA's Flood Map Service Center to see the effective flood insurance rate map for your block. The City's floodplain management pages also explain elevation certificates and pending map revisions. Homes near the San Diego River, Chollas Creek and other canyon drainages are worth checking even if they have never flooded, because maps reflect risk that may not have shown up in recent years.
