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Home insurance & flood costs in ZIP 93405 (San Luis Obispo, CA)

Plain facts for homeowners in San Luis Obispo: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 93405 at a glance

Four numbers most homeowners ask about first.

$1,542
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,548
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.35%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

2.1%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 93405 in numbers
$18,513
average paid claim (2022)
+28%
premium change 2018–2022, after inflation
1.20%
cancelled by insurers mid-term (2022)
116
single-family NFIP policies (2025)

What homeowners here 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 average premium per policy in ZIP 93405 was $1,542 in 2022, about the same as the San Luis Obispo County typical ZIP ($1,511) and about the same as the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 28% between 2018 and 2022. About 2.1% of policies here had a paid claim in 2022, and insurers chose not to renew 1.35% of policies.

San Luis Obispo County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 93405San Luis ObispoU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 93405 in 2025 cost $1,548, based on 116 policies, compared with $1,052 in 2022. About 67% of them are for homes in high-risk A or V zones.

Average flood policy cost

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

Policies by flood zone, 2025

116 policies
A zones 67%X/B/C zones 33%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for San Luis Obispo County

The chart shows the share of homeowners policies in ZIP 93405 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for San Luis Obispo County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Drought100 · Very High
  • Landslide99 · Relatively High
  • Wildfire98 · Relatively High
  • Earthquake98 · Relatively Moderate
  • Inland flooding97 · Relatively High

Other ZIP codes in San Luis Obispo County

Average premium per policy in 2022 (Treasury FIO).

93401 San Luis Obispo · $1,44293402 Los Osos · $1,21893420 Arroyo Grande · $1,56193422 Atascadero · $1,48093428 Cambria · $1,74893433 Grover Beach · $1,03793442 Morro Bay · $1,24493444 Nipomo · $1,33193446 Paso Robles · $1,35493449 Pismo Beach · $1,56993465 Templeton · $1,768

Practical next steps

Simple things homeowners in ZIP 93405 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.
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.
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.

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.