Flood insurance cost · ZIP 94580 · CA

Flood insurance cost in ZIP 94580 (unincorporated Alameda County, CA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 460 home policies in force on August 31, 2026.

ZIP code 94580 (unincorporated Alameda County, CA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,004a year

Half of insured homes paid between $754 and $1,234. That is 11% less than the Alameda County median ($1,129). Most insured homes here are rated in zone AO (85%).

$0$754 · $1,004 · $1,234$1,542

+7.4% vs Aug 31, 2025 (median $935)

460home policies in force

$1,030average cost (mean)

92%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 94580

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 AO High risk, shallow	$945	$727–$1,224	$1,013	391 (85%)	+4.5%
Zone AH High risk, shallow	$1,168	$1,030–$1,255	$1,157	32 (7%)	+5.1%
Zone X Moderate to low risk	$1,079	$909–$1,226	$1,102	35 (8%)	+16.3%

Not shown (fewer than 10 home policies): VE, AE, A, 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 94580, by what they insure.

Type of building	Policies	Median	Average
Single-family home	432	$1,030	$1,050
Condo or apartment unit	23	$622	$629
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	12	$1,684	$1,782

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

476NFIP policies in force, any building

476insured units (condo association policies count every unit)

51%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 94580

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	487	460	−5.5%
Median annual cost	$935	$1,004	+7.4%
Average annual cost	$963	$1,030	+7.0%
All policies in force (any building)	500	476	−4.8%

Flood claims history

Fewer than 10 NFIP flood claims have been recorded in ZIP 94580 since 1978, so we do not show claim figures here.

NFIP communities in this ZIP code

Unincorporated Alameda County (459 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.