This report was developed for the California Department of Insurance to assess the stateof the science of food risk modeling and mitigation in California’s coastal counties andto identify opportunities for advancing the science and integrating mitigation into floodmodels. The findings in this report were developed via the following processes:1) a literature review on food risk modeling; 2) semi-structured interviews with ten floodcatastrophe modeling groups, two insurers, and a consumer group; and 3) amulti-sectoral workshop in May, 2026, that convened academic food modelers, privatesector food modelers, a set of relevant state decision-makers, reinsurance and insurancesector representatives, nongovernmental organizations, and floodplain managers. A Technical Steering Committee oversaw this process by providing direction in scopingthe initial literature review, workshop agenda, and reviewing drafts of this report. Therecommendations in this report reflect the independent findings of the report authorsand do not necessarily reflect the views or endorsements of the California Department ofInsurance or the California Ocean Science Trust. This report consists of three components:1. This document, the main report, contains Key Findings and Recommendations.2. A Technical Appendix: Understanding Flood Modeling, Mitigation, and Insurance,containing additional background and context for the main report.3. An Executive Brief containing a summary of the main report for a public audience.