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Flood insurance cost · Marin County, CA

Flood insurance cost in Marin County, California

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,202 home policies in force on August 31, 2026.

Marin County, CaliforniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,633a year

Half of insured homes paid between $1,220 and $2,328. That is 51% more than the California median ($1,079). Most insured homes here are rated in zone AE (63%).

$0$1,220 · $1,633 · $2,328$2,910
+12.9% vs Aug 31, 2025 (median $1,447)
4,202home policies in force
$2,007average cost (mean)
82%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Marin County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$2,757$1,614–$4,896$3,539145 (3%)−5.1%
Zone AE
High risk		$1,766$1,444–$2,606$2,1982,631 (63%)+15.9%
Zone A
High risk		$2,524$1,515–$3,737$2,99757 (1%)+9.3%
Zone AO
High risk, shallow		$1,756$939–$2,229$1,677562 (13%)+6.8%
Zone AH
High risk, shallow		$2,465$2,024–$2,588$2,34839 (1%)+21.1%
Zone X
Moderate to low risk		$1,197$943–$1,314$1,212768 (18%)+16.2%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Marin County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,774$1,657$2,058
2–4 unit building164$1,889$2,381
Manufactured (mobile) home10$1,656$2,004
Condo or apartment unit254$861$1,002
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		343$4,314$5,569
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		520$4,310$5,005
5,065NFIP policies in force, any building
6,271insured units (condo association policies count every unit)
61%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Marin County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force4,3494,202−3.4%
Median annual cost$1,447$1,633+12.9%
Average annual cost$1,832$2,007+9.6%
All policies in force (any building)5,2355,065−3.2%

How many homes have flood insurance?

5.4%of all homes in Marin County have an NFIP policy
38.0%of homes in high-risk zones (special flood hazard area) have one
84,609residential buildings counted by FEMA
9,823of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Marin County, California have filed 3,328 flood claims. 2,444 received a payment, for a total of $55.1 million (an average of $22,547 per paid claim). The year with the most claims was 1982 (646 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 36 claims, 23 paid, $122,882 in total1979: 18 claims1980: 86 claims, 55 paid, $153,486 in total19801981: 23 claims, 15 paid, $39,833 in total1982: 646 claims, 526 paid, $4,924,023 in total19821983: 503 claims, 385 paid, $4,240,222 in total19831984: 10 claims1986: 249 claims, 178 paid, $1,366,351 in total19901992: 12 claims1993: 67 claims, 37 paid, $125,985 in total1994: 25 claims, 15 paid, $147,737 in total1995: 147 claims, 76 paid, $737,169 in total1996: 24 claims, 10 paid, $23,571 in total1997: 22 claims, 10 paid, $68,781 in total1998: 274 claims, 181 paid, $2,902,686 in total20002001: 38 claims, 28 paid, $227,292 in total2002: 37 claims, 19 paid, $350,123 in total2003: 16 claims, 15 paid, $126,854 in total2004: 21 claims, 12 paid, $135,189 in total2005: 555 claims, 515 paid, $28,084,218 in total20052006: 62 claims, 47 paid, $1,746,568 in total2008: 29 claims, 19 paid, $131,451 in total2009: 12 claims2010: 15 claims20102012: 17 claims2014: 49 claims, 31 paid, $626,471 in total2016: 15 claims, 13 paid, $206,566 in total2017: 58 claims, 37 paid, $717,260 in total2019: 35 claims, 21 paid, $360,985 in total20202021: 40 claims, 29 paid, $1,211,351 in total2023: 28 claims, 20 paid, $651,975 in total2024: 15 claims, 11 paid, $652,580 in total2026: 57 claims, 46 paid, $4,124,690 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (33)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20265746$4,124,690$89,667
20241511$652,580$59,325
20232820$651,975$32,599
20214029$1,211,351$41,771
20193521$360,985$17,190
20175837$717,260$19,385
20161513$206,566$15,890
20144931$626,471$20,209
201217<10––
201015<10––
200912<10––
20082919$131,451$6,918
20066247$1,746,568$37,161
2005555515$28,084,218$54,532
20042112$135,189$11,266
20031615$126,854$8,457
20023719$350,123$18,428
20013828$227,292$8,118
1998274181$2,902,686$16,037
19972210$68,781$6,878
19962410$23,571$2,357
199514776$737,169$9,700
19942515$147,737$9,849
19936737$125,985$3,405
199212<10––
1986249178$1,366,351$7,676
198410<10––
1983503385$4,240,222$11,014
1982646526$4,924,023$9,361
19812315$39,833$2,656
19808655$153,486$2,791
197918<10––
19783623$122,882$5,343

From 2016 to 2026: 248 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Marin County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Marin County (1,209 home policies) · Novato (715 home policies) · San Rafael (582 home policies) · Corte Madera (346 home policies) · Mill Valley (291 home policies) · San Anselmo (284 home policies)