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Flood insurance cost · Solano County, CA

Flood insurance cost in Solano County, California

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,594 home policies in force on August 31, 2026.

Solano County, CaliforniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,340a year

Half of insured homes paid between $1,077 and $1,696. That is 24% more than the California median ($1,079). The most common flood zone for insured homes here is zone AE (42%).

$0$1,077 · $1,340 · $1,696$2,120
+8.2% vs Aug 31, 2025 (median $1,238)
1,594home policies in force
$1,479average cost (mean)
76%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 Solano 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		$1,978$1,594–$2,629$2,18319 (1%)+10.6%
Zone AE
High risk		$1,512$1,194–$1,890$1,724669 (42%)+8.8%
Zone A
High risk		$1,424$1,057–$1,710$1,416423 (27%)+5.2%
Zone AO
High risk, shallow		$1,152$880–$1,616$1,322103 (6%)−0.7%
Zone X
Moderate to low risk		$1,090$992–$1,260$1,127378 (24%)+6.4%

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

Type of buildingPoliciesMedianAverage
Single-family home1,485$1,379$1,524
2–4 unit building24$1,274$1,400
Manufactured (mobile) home28$904$1,028
Condo or apartment unit57$527$569
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.		114$1,811$2,212
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		276$1,798$2,280
1,984NFIP policies in force, any building
2,216insured units (condo association policies count every unit)
61%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Solano 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 force1,6361,594−2.6%
Median annual cost$1,238$1,340+8.2%
Average annual cost$1,365$1,479+8.4%
All policies in force (any building)2,0131,984−1.4%

How many homes have flood insurance?

1.3%of all homes in Solano County have an NFIP policy
25.3%of homes in high-risk zones (special flood hazard area) have one
133,171residential buildings counted by FEMA
5,211of 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 Solano County, California have filed 596 flood claims. 451 received a payment, for a total of $11.0 million (an average of $24,292 per paid claim). The year with the most claims was 2005 (94 claims). Amounts are in dollars of the time, not adjusted for inflation.

025507510019801982: 68 claims, 60 paid, $458,898 in total19821983: 48 claims, 33 paid, $301,371 in total1986: 86 claims, 70 paid, $1,277,860 in total198619901995: 15 claims1997: 47 claims, 41 paid, $582,002 in total1998: 48 claims, 28 paid, $436,326 in total20002002: 28 claims, 26 paid, $665,445 in total2005: 94 claims, 86 paid, $4,325,120 in total20052006: 15 claims, 13 paid, $368,633 in total20102012: 11 claims, 10 paid, $172,272 in total2017: 19 claims, 15 paid, $740,978 in total20202021: 13 claims2023: 21 claims, 14 paid, $757,496 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20232114$757,496$54,107
202113<10––
20171915$740,978$49,399
20121110$172,272$17,227
20061513$368,633$28,356
20059486$4,325,120$50,292
20022826$665,445$25,594
19984828$436,326$15,583
19974741$582,002$14,195
199515<10––
19868670$1,277,860$18,255
19834833$301,371$9,132
19826860$458,898$7,648

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.

ZIP codes in Solano County

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

Main NFIP communities in the county

Vacaville (664 home policies) · Unincorporated Solano County (289 home policies) · Vallejo (224 home policies) · Suisun City (223 home policies) · Fairfield (104 home policies) · Rio Vista (37 home policies)