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How much Does Flood Insurance Cost in California? is excited to partner with some of the nation’s largest private flood insurers as well as the National Flood Insurance Program (NFIP) to provide you with reliable coverage. Our instant quote tool searches the marketplace looking for the best coverage at the lowest price.


What's the average cost on Flood Insurance in California?

The average cost of an NFIP policy in California is $850.88, but rates can vary substantially depending on the city and your chosen deductibles and coverage limits for both building and contents. Here are the average costs of flood insurance policies through the NFIP in some of California’s largest cities:

Average Costs through the NFIP

Average Cost per Policy
Los Angeles
San Diego
San Jose
San Francisco
Long Beach

Prices as of 01/31/24.


Private flood insurance is often less than the NFIP. In addition, policies can be customized with higher limits and additional coverage options than the NFIP. 

Get a quote online today and see how much you can save.

Private Flood Insurance Prices Can Be Significantly Lower!

Not Sure Whether to choose an NFIP policy or Private Flood Insurance?

FloodPrice offers both. Our flood experts are standing by to help you compare costs and coverage options. 

Give us a call, and we’ll help you find the best option for your needs.

How do I save money on Flood Insurance in California?

You might save by getting a quote for private flood insurance instead of going through the NFIP. Our process is entirely online, so there's no need to wait for a callback or email. Once you've received your quote, compare it to what you'd pay through the NFIP. Be sure to check what's covered by each policy to avoid surprises when filing a claim.

The cost of a flood claim can be high, and most people without coverage are financially devastated after a flood. The average NFIP claim for flood damage in California over the past 10 years is $20,100. Avoid this exorbitant expenditure by staying ahead of the game and obtaining flood coverage for your most valuable asset, your home.

Do I need flood insurance in California?

Absolutely! 90% of all natural disasters in the U.S. involve some type of flooding. California has many high-risk flood zones, and even if you’re not in a designated flood zone, you’re still at risk. Use our FEMA Flood Zone Lookup tool to see if you’re in a flood zone.


Does my homeowners insurance cover flooding?

Homeowner's insurance generally does not include flood coverage It’s up to homeowners to obtain a separate flood insurance policy. You can get started with our easy online quote tool.

When Should I Buy Flood Insurance?

Consider purchasing flood insurance well before a storm is on the horizon. Most policies have a 30-day waiting period, but through, it’s just 15 days for private flood policies. Waiting periods can typically be waived if you are going through the loan process and your lender is requiring flood insurance.

Do I Need a Flood Elevation Certificate?

While an elevation certificate can affect your rates by providing details on your property’s elevation, it’s not required to get insurance through FloodPrice. We compare rates from various NFIP and private insurance offerings to find the best coverage for you without needing an elevation certificate. However, if you think it might help, call us, and our experts will guide you through the process. 

Can I Get Coverage for My Basement?

Yes! With, you can add coverage for your basement contents. Private carriers often have the option to cover your personal items in a basement. However, NFIP policies often have limited coverage for basement contents, so contact us to ensure you have the coverage you need especially if you have a finished basement.

Risk Rating 2.0 Pricing in California.


FEMA’s new Risk Rating 2.0 methodology impacts nearly all NFIP policies in Florida, with 96% of policyholders seeing price changes. The NFIP does not allow policyholders to cancel during the term of the policy, so the time to compare is 60 days prior to the renewal of your policy. Give us a call and we can help you compare the new NFIP pricing to a private flood insurance quote, which could save you hundreds of dollars.

What’s Not Covered by the NFIP?

NFIP policies typically don't offer Additional Living Expense (ALE). A private flood policy through offers this additional coverage option, as well as coverage for belongings in basements, unlike the NFIP. For more comprehensive coverage, consider private flood insurance through


Need help from a Flood Expert? Call us at 866-503-5663 for personalized assistance.

*63% of NFIP policy holders in California (135,640 policies) will see an average increase of $0-$120 per year. 6% of policyholders (13,560 policies) will see an increase of $120-$240 per year. 3% of policyholders (8,116 policies) will see an increase of greater than $240 per year.


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