Flood insurance cost · ZIP 95819 · CA

Flood insurance cost in ZIP 95819 (Sacramento, CA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,180 home policies in force on August 31, 2026.

ZIP code 95819 (Sacramento, CA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$790a year

Half of insured homes paid between $658 and $973. That is 7% less than the Sacramento County median ($849). Most insured homes here are rated in zone X (100%).

$0$658 · $790 · $973$1,216

+6.0% vs Aug 31, 2025 (median $745)

1,180home policies in force

$822average cost (mean)

0%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 95819

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	$790	$658–$973	$822	1,180 (100%)	+6.0%

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 95819, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,141	$787	$821
2–4 unit building	31	$915	$948
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	15	$1,790	$1,549

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

1,202NFIP policies in force, any building

1,202insured units (condo association policies count every unit)

98%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 95819

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	1,269	1,180	−7.0%
Median annual cost	$745	$790	+6.0%
Average annual cost	$764	$822	+7.6%
All policies in force (any building)	1,291	1,202	−6.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 95819 have filed 109 flood claims. 59 received a payment, for a total of $359,498 (an average of $6,093 per paid claim). The year with the most claims was 1995 (37 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 (3)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2004	18	14	$127,675	$9,120
1997	20	10	$80,324	$8,032
1995	37	18	$48,333	$2,685

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

Sacramento (1,178 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.