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Flood insurance cost · Sacramento County, CA

Flood insurance cost in Sacramento County, California

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 40,426 home policies in force on August 31, 2026.

Sacramento County, CaliforniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$849a year

Half of insured homes paid between $654 and $1,087. That is 21% less than the California median ($1,079). Most insured homes here are rated in zone A99 / AR (62%).

$0$654 · $849 · $1,087$1,359
+5.3% vs Aug 31, 2025 (median $806)
40,426home policies in force
$882average cost (mean)
68%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 Sacramento 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 AE
High risk		$756$580–$1,010$8542,183 (5%)+2.7%
Zone A
High risk		$1,098$905–$1,458$1,16856 (0%)+11.1%
Zone AO
High risk, shallow		$792$713–$925$80736 (0%)−1.2%
Zone AH
High risk, shallow		$844$703–$1,196$965188 (0%)+4.5%
Zone A99 / AR
High risk, levee areas		$835$641–$1,070$86824,886 (62%)+4.8%
Zone X
Moderate to low risk		$892$688–$1,120$91113,077 (32%)+7.2%

Not shown (fewer than 10 home policies): VE, 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 Sacramento County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home38,512$857$890
2–4 unit building686$992$1,038
Manufactured (mobile) home133$788$837
Condo or apartment unit1,095$453$482
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.		1,936$1,442$1,571
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,707$1,130$1,348
44,069NFIP policies in force, any building
47,528insured units (condo association policies count every unit)
91%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Sacramento 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 force42,53540,426−5.0%
Median annual cost$806$849+5.3%
Average annual cost$814$882+8.4%
All policies in force (any building)46,17044,069−4.6%

How many homes have flood insurance?

9.6%of all homes in Sacramento County have an NFIP policy
81.1%of homes in high-risk zones (special flood hazard area) have one
443,240residential buildings counted by FEMA
35,666of 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 Sacramento County, California have filed 3,867 flood claims. 2,378 received a payment, for a total of $38.8 million (an average of $16,320 per paid claim). The year with the most claims was 1995 (1,341 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 10 claims1980: 32 claims, 24 paid, $108,120 in total19801982: 64 claims, 50 paid, $135,003 in total1983: 69 claims, 46 paid, $206,208 in total1986: 257 claims, 222 paid, $4,430,391 in total198619901992: 32 claims, 13 paid, $127,051 in total1993: 94 claims, 45 paid, $113,953 in total1994: 31 claims, 16 paid, $224,772 in total1995: 1,341 claims, 851 paid, $11,508,928 in total19951996: 113 claims, 65 paid, $548,328 in total1997: 601 claims, 436 paid, $7,885,024 in total19971998: 240 claims, 125 paid, $699,160 in total1999: 17 claims2000: 84 claims, 37 paid, $175,490 in total20002001: 19 claims2002: 27 claims2003: 11 claims2004: 87 claims, 53 paid, $1,292,641 in total2005: 119 claims, 77 paid, $1,927,760 in total2006: 54 claims, 39 paid, $2,478,206 in total2008: 13 claims2009: 11 claims2010: 13 claims20102011: 14 claims2012: 38 claims, 17 paid, $307,574 in total2014: 15 claims2016: 21 claims2017: 148 claims, 94 paid, $2,558,018 in total2018: 12 claims2019: 12 claims20202021: 41 claims, 22 paid, $447,541 in total2022: 40 claims, 17 paid, $681,421 in total2023: 104 claims, 53 paid, $1,969,337 in total2024: 16 claims
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 (34)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202416<10––
202310453$1,969,337$37,157
20224017$681,421$40,084
20214122$447,541$20,343
201912<10––
201812<10––
201714894$2,558,018$27,213
201621<10––
201415<10––
20123817$307,574$18,093
201114<10––
201013<10––
200911<10––
200813<10––
20065439$2,478,206$63,544
200511977$1,927,760$25,036
20048753$1,292,641$24,389
200311<10––
200227<10––
200119<10––
20008437$175,490$4,743
199917<10––
1998240125$699,160$5,593
1997601436$7,885,024$18,085
199611365$548,328$8,436
19951,341851$11,508,928$13,524
19943116$224,772$14,048
19939445$113,953$2,532
19923213$127,051$9,773
1986257222$4,430,391$19,957
19836946$206,208$4,483
19826450$135,003$2,700
19803224$108,120$4,505
197810<10––

From 2016 to 2026: 394 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 Sacramento County

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

Main NFIP communities in the county

Sacramento (34,506 home policies) · Unincorporated Sacramento County (4,450 home policies) · Elk Grove (673 home policies) · Citrus Heights (370 home policies) · Rancho Cordova (155 home policies) · Isleton (125 home policies)