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Home insurance & flood costs in ZIP 95220 (Acampo, CA)

Plain facts for homeowners in Acampo: 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 95220 at a glance

Four numbers most homeowners ask about first.

$1,809
Avg. home premium

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

$1,374
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.79%
Nonrenewal rate

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

4.1%
Claim frequency

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

ZIP 95220 in numbers
$24,058
average paid claim (2022)
+19%
premium change 2018–2022, after inflation
1.58%
cancelled by insurers mid-term (2022)
43
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 95220 was $1,809 in 2022, 42% above the San Joaquin County typical ZIP ($1,272) and 17% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 19% between 2018 and 2022. About 4.1% of policies here had a paid claim in 2022, and insurers chose not to renew 0.79% of policies.

San Joaquin County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 95220San JoaquinU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 95220 in 2025 cost $1,374, based on 43 policies, compared with $841 in 2022. About 21% 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

43 policies
A zones 21%X/B/C zones 79%V zones 0%

Claims & hazards

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

The chart shows the share of homeowners policies in ZIP 95220 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for San Joaquin 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
  • Earthquake99 · Relatively High
  • Inland flooding98 · Relatively High
  • Heat wave97 · Relatively High
  • Lightning93 · Relatively High

Other ZIP codes in San Joaquin County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 21; see the county page for all.

95203 Stockton · $1,16395204 Stockton · $1,16595205 Stockton · $1,01395206 Stockton · $1,10095207 Stockton · $1,23495209 Stockton · $1,30895210 Stockton · $1,04595212 Stockton · $1,44795215 Stockton · $1,21095219 Stockton · $1,49395240 Lodi · $1,18195242 Lodi · $1,194

Practical next steps

Simple things homeowners in ZIP 95220 can do with this information.

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.
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.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

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.