Flood insurance cost · ZIP 95822 · CA

Flood insurance cost in ZIP 95822 (Sacramento, CA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,111 home policies in force on August 31, 2026.

ZIP code 95822 (Sacramento, CA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$848a year

Half of insured homes paid between $708 and $1,111. That is about the same as the Sacramento County median ($849). Most insured homes here are rated in zone X (100%).

$0$708 · $848 · $1,111$1,389

+7.6% vs Aug 31, 2025 (median $788)

1,111home policies in force

$912average 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 95822

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	$848	$708–$1,111	$912	1,111 (100%)	+7.6%

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 95822, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,073	$844	$907
2–4 unit building	32	$1,102	$1,136
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.	13	$1,586	$1,661
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	13	$1,405	$1,496

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

1,137NFIP policies in force, any building

1,171insured units (condo association policies count every unit)

97%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 95822

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	1,211	1,111	−8.3%
Median annual cost	$788	$848	+7.6%
Average annual cost	$820	$912	+11.2%
All policies in force (any building)	1,240	1,137	−8.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 95822 have filed 291 flood claims. 150 received a payment, for a total of $755,024 (an average of $5,033 per paid claim). The year with the most claims was 1995 (141 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	–	–
2000	10	<10	–	–
1998	19	14	$51,711	$3,694
1997	46	28	$165,569	$5,913
1996	10	<10	–	–
1995	141	73	$284,147	$3,892

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 (1,111 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.