Flood insurance cost · ZIP 92646 · CA

Flood insurance cost in ZIP 92646 (Huntington Beach, CA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 527 home policies in force on August 31, 2026.

ZIP code 92646 (Huntington Beach, CA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,189a year

Half of insured homes paid between $1,080 and $1,260. That is 9% more than the Orange County median ($1,095). Most insured homes here are rated in zone X (99%).

$0$1,080 · $1,189 · $1,260$1,575

+13.3% vs Aug 31, 2025 (median $1,049)

527home policies in force

$1,214average cost (mean)

1%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 ZIP code 92646

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 X Moderate to low risk	$1,189	$1,080–$1,260	$1,207	522 (99%)	+13.3%

Not shown (fewer than 10 home policies): VE, AE, A, 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 ZIP code 92646, by what they insure.

Type of building	Policies	Median	Average
Single-family home	489	$1,226	$1,233
Condo or apartment unit	28	$873	$864

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, whole residential building (5+ units or condo association), non-residential building or unit.

529NFIP policies in force, any building

529insured units (condo association policies count every unit)

95%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 92646

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	576	527	−8.5%
Median annual cost	$1,049	$1,189	+13.3%
Average annual cost	$1,058	$1,214	+14.7%
All policies in force (any building)	578	529	−8.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 92646 have filed 614 flood claims. 332 received a payment, for a total of $1,854,467 (an average of $5,586 per paid claim). The year with the most claims was 1983 (142 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 (10)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2005	15	<10	–	–
2001	10	<10	–	–
1998	66	40	$115,326	$2,883
1997	124	87	$508,522	$5,845
1995	100	46	$196,360	$4,269
1993	32	<10	–	–
1992	21	<10	–	–
1983	142	106	$827,122	$7,803
1980	25	10	$11,485	$1,148
1978	21	<10	–	–

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

NFIP communities in this ZIP code

Huntington Beach (527 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.