Flood insurance cost · Shasta County, CA

Flood insurance cost in Shasta County, California

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 540 home policies in force on August 31, 2026.

Shasta County, CaliforniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,242a year

Half of insured homes paid between $1,077 and $1,683. That is 15% more than the California median ($1,079). The most common flood zone for insured homes here is zone AE (48%).

$0$1,077 · $1,242 · $1,683$2,104

+11.7% vs Aug 31, 2025 (median $1,112)

540home policies in force

$1,566average cost (mean)

71%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 Shasta 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	$1,358	$1,002–$1,805	$1,667	257 (48%)	+11.6%
Zone A High risk	$1,482	$1,156–$1,826	$1,767	116 (21%)	+13.1%
Zone AO High risk, shallow	$1,191	$886–$1,664	$1,336	11 (2%)	+10.0%
Zone X Moderate to low risk	$1,148	$1,079–$1,267	$1,265	155 (29%)	+13.7%

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

Type of building	Policies	Median	Average
Single-family home	514	$1,238	$1,583
2–4 unit building	12	$1,324	$1,300
Manufactured (mobile) home	14	$1,127	$1,171
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	21	$1,826	$3,159

Not shown (fewer than 10 policies): condo or apartment unit, whole residential building (5+ units or condo association).

570NFIP policies in force, any building

570insured units (condo association policies count every unit)

55%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Shasta 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	590	540	−8.5%
Median annual cost	$1,112	$1,242	+11.7%
Average annual cost	$1,385	$1,566	+13.1%
All policies in force (any building)	621	570	−8.2%

How many homes have flood insurance?

0.8%of all homes in Shasta County have an NFIP policy

19.1%of homes in high-risk zones (special flood hazard area) have one

68,762residential buildings counted by FEMA

2,056of 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 Shasta County, California have filed 256 flood claims. 193 received a payment, for a total of $4,866,962 (an average of $25,217 per paid claim). The year with the most claims was 1997 (40 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 (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2025	23	22	$1,983,670	$90,167
2017	30	22	$706,827	$32,128
2012	21	16	$323,800	$20,238
2005	15	14	$289,801	$20,700
1998	11	<10	–	–
1997	40	32	$445,727	$13,929
1996	14	10	$86,565	$8,656
1995	27	19	$194,427	$10,233
1986	14	<10	–	–

From 2016 to 2026: 53 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.

Main NFIP communities in the county

Redding (269 home policies) · Unincorporated Shasta County (195 home policies) · Anderson (43 home policies) · Shasta Lake (33 home policies)