Flood insurance cost · San Bernardino County, CA

Flood insurance cost in San Bernardino County, California

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,848 home policies in force on August 31, 2026.

San Bernardino County, CaliforniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,232a year

Half of insured homes paid between $983 and $1,627. That is 14% more than the California median ($1,079). The most common flood zone for insured homes here is zone AO (30%).

$0$983 · $1,232 · $1,627$2,034

+12.7% vs Aug 31, 2025 (median $1,093)

1,848home policies in force

$1,435average cost (mean)

72%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 San Bernardino 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,402	$1,029–$2,152	$1,787	275 (15%)	+8.5%
Zone A High risk	$1,424	$1,051–$1,942	$1,607	502 (27%)	+6.0%
Zone AO High risk, shallow	$1,154	$877–$1,505	$1,285	549 (30%)	+6.3%
Zone X Moderate to low risk	$1,086	$1,066–$1,267	$1,205	470 (25%)	+8.7%
Zone D Undetermined	$1,085	$792–$1,604	$1,508	50 (3%)	+0.8%

Not shown (fewer than 10 home policies): VE, AH, A99/AR. 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 San Bernardino County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,688	$1,233	$1,454
2–4 unit building	38	$1,515	$1,863
Manufactured (mobile) home	66	$1,142	$1,295
Condo or apartment unit	56	$688	$735
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.	71	$3,154	$3,335
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	297	$2,433	$3,056

2,216NFIP policies in force, any building

2,306insured units (condo association policies count every unit)

47%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: San Bernardino 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, 2025	Aug 31, 2026	Change
Home policies in force	1,961	1,848	−5.8%
Median annual cost	$1,093	$1,232	+12.7%
Average annual cost	$1,322	$1,435	+8.5%
All policies in force (any building)	2,345	2,216	−5.5%

How many homes have flood insurance?

0.3%of all homes in San Bernardino County have an NFIP policy

14.8%of homes in high-risk zones (special flood hazard area) have one

624,158residential buildings counted by FEMA

9,277of 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 San Bernardino County, California have filed 867 flood claims. 547 received a payment, for a total of $10.2 million (an average of $18,729 per paid claim). The year with the most claims was 1980 (112 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (22)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2025	38	26	$1,358,650	$52,256
2023	16	<10	–	–
2022	13	<10	–	–
2019	10	<10	–	–
2017	16	<10	–	–
2014	14	<10	–	–
2010	59	38	$1,024,266	$26,954
2008	24	19	$266,404	$14,021
2005	79	60	$902,675	$15,045
2004	22	13	$172,541	$13,272
2003	45	33	$706,193	$21,400
1999	32	30	$757,946	$25,265
1998	44	29	$218,066	$7,520
1997	17	<10	–	–
1995	17	11	$106,196	$9,654
1993	49	32	$175,243	$5,476
1992	33	24	$217,338	$9,056
1983	54	24	$102,824	$4,284
1982	24	10	$67,896	$6,790
1981	13	<10	–	–
1980	112	70	$743,753	$10,625
1978	12	<10	–	–

From 2016 to 2026: 93 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 San Bernardino County

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

ZIP 92277 · Twentynine Palmsmedian $1,287 · 316 homes

Main NFIP communities in the county

Unincorporated San Bernardino County (625 home policies) · Twentynine Palms (315 home policies) · Rancho Cucamonga (133 home policies) · Apple Valley (112 home policies) · Hesperia (110 home policies) · Redlands (90 home policies)