Flood insurance cost · Yuba County, CA

Flood insurance cost in Yuba County, California

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,255 home policies in force on August 31, 2026.

Yuba County, CaliforniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,237a year

Half of insured homes paid between $1,086 and $1,597. That is 15% more than the California median ($1,079). Most insured homes here are rated in zone X (66%).

$0$1,086 · $1,237 · $1,597$1,996

+16.7% vs Aug 31, 2025 (median $1,060)

1,255home policies in force

$1,414average cost (mean)

34%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 Yuba 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	$1,869	$1,734–$2,194	$2,008	11 (1%)	+17.2%
Zone A High risk	$1,723	$1,521–$1,868	$1,823	407 (32%)	+14.3%
Zone X Moderate to low risk	$1,227	$1,082–$1,266	$1,206	834 (66%)	+16.7%

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

Type of building	Policies	Median	Average
Single-family home	1,198	$1,235	$1,410
2–4 unit building	24	$1,460	$1,885
Manufactured (mobile) home	29	$1,233	$1,317
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.	16	$1,578	$1,922
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	171	$1,774	$2,750

Not shown (fewer than 10 policies): condo or apartment unit.

1,442NFIP policies in force, any building

1,442insured units (condo association policies count every unit)

91%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Yuba 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	1,431	1,255	−12.3%
Median annual cost	$1,060	$1,237	+16.7%
Average annual cost	$1,240	$1,414	+14.0%
All policies in force (any building)	1,630	1,442	−11.5%

How many homes have flood insurance?

4.9%of all homes in Yuba County have an NFIP policy

28.5%of homes in high-risk zones (special flood hazard area) have one

25,888residential buildings counted by FEMA

1,467of 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 Yuba County, California have filed 320 flood claims. 227 received a payment, for a total of $8,325,024 (an average of $36,674 per paid claim). The year with the most claims was 1997 (129 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 (6)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2005	11	10	$261,398	$26,140
1998	25	15	$137,565	$9,171
1997	129	93	$5,992,698	$64,438
1996	21	15	$611,861	$40,791
1995	45	30	$222,059	$7,402
1986	38	31	$519,359	$16,754

2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Yuba County

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

Main NFIP communities in the county

Unincorporated Yuba County (931 home policies) · Marysville (218 home policies) · Wheatland (106 home policies)