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Flood insurance cost · Sonoma County, CA

Flood insurance cost in Sonoma County, California

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,727 home policies in force on August 31, 2026.

Sonoma County, CaliforniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,390a year

Half of insured homes paid between $1,084 and $2,332. That is 29% more than the California median ($1,079). Most insured homes here are rated in zone AE (65%).

$0$1,084 · $1,390 · $2,332$2,915
+14.8% vs Aug 31, 2025 (median $1,211)
1,727home policies in force
$2,159average cost (mean)
69%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 Sonoma 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		$1,611$1,142–$3,207$2,4961,125 (65%)+13.1%
Zone A
High risk		$1,613$1,227–$2,977$2,05533 (2%)+1.1%
Zone AO
High risk, shallow		$2,402$1,671–$3,377$2,40821 (1%)+15.4%
Zone A99 / AR
High risk, levee areas		$1,260$1,080–$1,397$1,39917 (1%)+16.8%
Zone X
Moderate to low risk		$1,227$1,080–$1,429$1,470522 (30%)+16.7%

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

Type of buildingPoliciesMedianAverage
Single-family home1,587$1,396$2,170
2–4 unit building68$1,488$2,763
Manufactured (mobile) home46$1,446$1,712
Condo or apartment unit26$600$673
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.		59$3,524$3,677
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		469$2,777$3,835
2,255NFIP policies in force, any building
2,328insured units (condo association policies count every unit)
60%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Sonoma 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 force1,8811,727−8.2%
Median annual cost$1,211$1,390+14.8%
Average annual cost$1,928$2,159+12.0%
All policies in force (any building)2,4402,255−7.6%

How many homes have flood insurance?

1.1%of all homes in Sonoma County have an NFIP policy
31.3%of homes in high-risk zones (special flood hazard area) have one
167,061residential buildings counted by FEMA
3,971of 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 Sonoma County, California have filed 7,424 flood claims. 6,256 received a payment, for a total of $132.2 million (an average of $21,131 per paid claim). The year with the most claims was 1995 (1,731 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 171 claims, 156 paid, $642,990 in total1979: 17 claims, 12 paid, $34,106 in total1980: 154 claims, 137 paid, $393,271 in total19801981: 274 claims, 215 paid, $1,149,332 in total1982: 248 claims, 203 paid, $2,054,045 in total1983: 532 claims, 429 paid, $2,372,761 in total1985: 12 claims1986: 922 claims, 839 paid, $16,416,907 in total198619901991: 25 claims, 16 paid, $120,262 in total1993: 102 claims, 71 paid, $519,495 in total1995: 1,731 claims, 1,428 paid, $35,966,827 in total19951996: 241 claims, 205 paid, $2,436,506 in total1997: 714 claims, 615 paid, $9,234,422 in total1998: 388 claims, 295 paid, $3,516,242 in total1999: 11 claims20002001: 15 claims2002: 56 claims, 39 paid, $532,380 in total2004: 37 claims, 28 paid, $394,464 in total2005: 524 claims, 487 paid, $17,568,542 in total2006: 162 claims, 146 paid, $4,019,743 in total2008: 19 claims, 17 paid, $769,332 in total20102014: 33 claims, 25 paid, $419,893 in total2017: 121 claims, 94 paid, $2,121,309 in total2019: 735 claims, 654 paid, $29,133,280 in total201920202023: 38 claims, 33 paid, $229,405 in total2024: 33 claims, 29 paid, $353,099 in total2025: 29 claims, 22 paid, $1,015,480 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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20252922$1,015,480$46,158
20243329$353,099$12,176
20233833$229,405$6,952
2019735654$29,133,280$44,546
201712194$2,121,309$22,567
20143325$419,893$16,796
20081917$769,332$45,255
2006162146$4,019,743$27,532
2005524487$17,568,542$36,075
20043728$394,464$14,088
20025639$532,380$13,651
200115<10––
199911<10––
1998388295$3,516,242$11,919
1997714615$9,234,422$15,015
1996241205$2,436,506$11,885
19951,7311,428$35,966,827$25,187
199310271$519,495$7,317
19912516$120,262$7,516
1986922839$16,416,907$19,567
198512<10––
1983532429$2,372,761$5,531
1982248203$2,054,045$10,118
1981274215$1,149,332$5,346
1980154137$393,271$2,871
19791712$34,106$2,842
1978171156$642,990$4,122

From 2016 to 2026: 956 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 Sonoma County

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

Main NFIP communities in the county

Unincorporated Sonoma County (1,285 home policies) · Petaluma (103 home policies) · Santa Rosa (98 home policies) · Sonoma (51 home policies) · Healdsburg (50 home policies) · Cotati (46 home policies)