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Home insurance costs & natural hazards in California

Plain facts for California homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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California at a glance

Four numbers most homeowners ask about first.

$1,617
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$1,180
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.22%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

31 of 58
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

California in numbers
39.5M
residents (2020 Census)
3.0%
of policies had a paid claim (2022, median ZIP)
$22,454
average paid claim (2022, median ZIP)
129,200
single-family NFIP flood policies (2025)

What homeowners in California pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical California ZIP code saw homeowners premiums of $1,617 per policy in 2022, 4% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 25% between 2018 and 2022. The figures come from 1,552 California ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
CaliforniaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 129,200 single-family NFIP policies took effect in California in 2025, at an average full cost of $1,180, compared with $959 in 2022. About 64% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

129,200 policies
A zones 63%X/B/C zones 36%V zones 1%Other/unrated 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of California's 58 counties FEMA rates relatively high or very high for each hazard. The most widespread are inland flooding, drought and wildfire. Open any county for its full hazard profile.

How the ratings work

Hazards across California's counties

Counties FEMA rates relatively high or very high

California counties

All 58 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

CountyPremiumFloodFEMA rating
Alameda County$1,696$1,152Very High
Alpine County$3,122—Very Low
Amador County$2,200$1,698Relatively Low
Butte County$1,785$1,012Relatively Moderate
Calaveras County$2,235$1,694Relatively Moderate
Colusa County$1,239$881Relatively Moderate
Contra Costa County$1,682$1,489Very High
Del Norte County$1,639$1,803Relatively High
El Dorado County$2,306$1,527Relatively Moderate
Fresno County$1,156$1,083Relatively High
Glenn County$1,083$878Relatively Low
Humboldt County$1,703$1,526Relatively High
Imperial County$1,241$1,243Relatively High
Inyo County$1,213$1,204Relatively Low
Kern County$1,203$1,001Relatively High
Kings County$960$930Relatively Moderate
Lake County$2,169$1,936Relatively Moderate
Lassen County$1,928$2,063Relatively Low
Los Angeles County$1,492$1,381Very High
Madera County$2,340$1,156Relatively High
Marin County$2,651$1,945Relatively High
Mariposa County$2,285—Relatively Moderate
Mendocino County$2,475$1,730Relatively High
Merced County$1,068$890Relatively High
Modoc County$1,366$1,167Very Low
Mono County$1,925$1,454Relatively Low
Monterey County$1,446$1,832Relatively High
Napa County$2,132$2,071Relatively High
Nevada County$2,359$1,596Relatively Moderate
Orange County$1,667$1,166Very High
Placer County$2,368$1,148Relatively Moderate
Plumas County$2,459$1,986Relatively Moderate
Riverside County$1,487$1,240Very High
Sacramento County$1,265$854Relatively High
San Benito County$2,261$1,764Relatively Moderate
San Bernardino County$1,376$1,378Very High
San Diego County$1,883$1,259Very High
San Francisco County$2,396$921Very High
San Joaquin County$1,272$1,148Relatively High
San Luis Obispo County$1,511$1,503Relatively High
San Mateo County$1,768$1,368Relatively High
Santa Barbara County$2,030$1,555Relatively High
Santa Clara County$1,365$1,515Very High
Santa Cruz County$2,038$1,925Relatively High
Shasta County$2,409$1,470Relatively Moderate
Sierra County$2,451$2,683Very Low
Siskiyou County$2,025$1,723Relatively Moderate
Solano County$1,364$1,458Relatively High
Sonoma County$2,038$2,043Relatively High
Stanislaus County$1,121$1,072Relatively High
Sutter County$1,317$731Relatively Moderate
Tehama County$1,641$1,671Relatively Moderate
Trinity County$2,094$1,728Relatively Low
Tulare County$1,074$1,048Relatively High
Tuolumne County$1,941$1,474Relatively Moderate
Ventura County$1,643$1,379Relatively High
Yolo County$1,243$1,117Relatively Moderate
Yuba County$2,224$1,291Relatively Low

ZIP codes with the most flood policies

Practical next steps

Simple things California homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.