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Flood insurance cost · ZIP 95446 · CA

Flood insurance cost in ZIP 95446 (unincorporated Sonoma County, CA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 457 home policies in force on August 31, 2026.

ZIP code 95446 (unincorporated Sonoma County, CA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,428a year

Half of insured homes paid between $1,077 and $3,744. That is 3% more than the Sonoma County median ($1,390). Most insured homes here are rated in zone AE (92%).

$0$1,077 · $1,428 · $3,744$4,680
+12.4% vs Aug 31, 2025 (median $1,270)
457home policies in force
$2,532average cost (mean)
93%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 95446

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		$1,490$1,073–$3,910$2,637420 (92%)+10.3%
Zone X
Moderate to low risk		$1,215$1,080–$1,308$1,31431 (7%)+16.8%

Not shown (fewer than 10 home policies): VE, 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 95446, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home425$1,428$2,492
2–4 unit building30$1,470$3,138
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.		20$2,325$3,691
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		84$2,696$4,129

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

561NFIP policies in force, any building
600insured units (condo association policies count every unit)
48%of home policies also cover contents
$42,000median contents coverage, when bought

One year on: ZIP code 95446

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 force494457−7.5%
Median annual cost$1,270$1,428+12.4%
Average annual cost$2,236$2,532+13.2%
All policies in force (any building)600561−6.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 95446 have filed 3,952 flood claims. 3,386 received a payment, for a total of $69.7 million (an average of $20,583 per paid claim). The year with the most claims was 1995 (903 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1978: 106 claims, 98 paid, $390,472 in total1980: 106 claims, 98 paid, $271,871 in total19801981: 198 claims, 158 paid, $809,975 in total1982: 66 claims, 42 paid, $158,827 in total1983: 311 claims, 255 paid, $1,347,461 in total1986: 458 claims, 435 paid, $9,179,016 in total198619901991: 17 claims, 11 paid, $77,505 in total1993: 67 claims, 50 paid, $354,377 in total1995: 903 claims, 752 paid, $19,892,400 in total19951996: 130 claims, 119 paid, $1,291,881 in total1997: 398 claims, 355 paid, $5,929,808 in total1998: 154 claims, 108 paid, $508,004 in total20002001: 10 claims2002: 22 claims, 17 paid, $259,367 in total2004: 28 claims, 21 paid, $328,794 in total2005: 248 claims, 238 paid, $7,627,620 in total2006: 96 claims, 90 paid, $1,682,663 in total20102014: 12 claims, 11 paid, $61,167 in total2017: 78 claims, 55 paid, $1,258,633 in total2019: 420 claims, 369 paid, $17,018,444 in total201920202023: 28 claims, 26 paid, $118,276 in total2024: 25 claims, 25 paid, $193,054 in total2025: 15 claims, 12 paid, $557,807 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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251512$557,807$46,484
20242525$193,054$7,722
20232826$118,276$4,549
2019420369$17,018,444$46,120
20177855$1,258,633$22,884
20141211$61,167$5,561
20069690$1,682,663$18,696
2005248238$7,627,620$32,049
20042821$328,794$15,657
20022217$259,367$15,257
200110<10––
1998154108$508,004$4,704
1997398355$5,929,808$16,704
1996130119$1,291,881$10,856
1995903752$19,892,400$26,453
19936750$354,377$7,088
19911711$77,505$7,046
1986458435$9,179,016$21,101
1983311255$1,347,461$5,284
19826642$158,827$3,782
1981198158$809,975$5,126
198010698$271,871$2,774
197810698$390,472$3,984

From 2016 to 2026: 566 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.

NFIP communities in this ZIP code

Unincorporated Sonoma County (457 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.