How much is Flood Insurance in California?

Get an instant flood insurance quote online and see how much money you can save! is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our quick quote tool assesses rates from numerous carriers in seconds to get you the best coverage for the lowest price. 


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

The average cost per policy in California through the NFIP is $763.68. However, if you look at the different cities, they vary substantially! Your premiums will also vary depending on the deductibles you choose for buildings and content coverage. Here are the largest cities in California with their average flood insurance policy cost through NFIP.

Average Costs through the NFIP*

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

*Prices as of April, 2021.

How do I save money on Flood Insurance in California?

Well, firstly get a quote from, and then compare the rate to what you would get through the NFIP. Pay attention to what is actually being covered by the NFIP, so that you're not surprised when you try to submit a claim.

Do I need flood insurance?

90 percent of all natural disasters in the U.S. involve some type of flooding. California happens to have a lot of flood zones! Even if you're are not directly inside a flood zone, doesn't mean that you are NOT at risk for flooding. If your home is damaged by rising water, and you don't have flood insurance, you could be paying for this expense out of pocket! And flooding damage is costly! Click Get Started to see how much a flood could cost you!

Standard Homeowner's insurance does not cover Flooding!

Sure, you could ask your agent to add flooding to your homeowner's policy, but even if it is something they offer, chances are they'll go with the National Flood Insurance Program (NFIP). It's easy for them, expensive for you! 

Risk of Flooding in California.

If you don't have any coverage in place, and disaster does strike, you could be on the hook for hundreds of thousands in expenses! Flooding can cause catastrophic damage! Flood insurance can help you quickly recover without leaving you in financial ruin. 

Since mother nature is unpredictable, we cannot tell you your exact risk of flooding, and with outdated flood maps, even FEMA isn't entirely sure. When you live in a state that has experienced flooding in every county, it's better to have coverage and not need it, than to need it and not have it.

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