Data · July 2026 data · 15-month trend
California Flood Insurance Costs
Flood insurance policies newly written or renewed in California during July 2026 carried an average premium of $1,095. Premiums there are 11.1% higher than the $986 national figure. The figure is up 6.2% year over year. 11,654 policies were written or renewed statewide that month; San Francisco County was the priciest county at $2,456 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $1,095
- Avg total cost (with fees)
- $1,431
- Change (year over year)
- +6.2%
- vs national average
- +11.1%
- Policies written or renewed
- 11,654
- Counties reporting
- 56
California trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,030 | $1,353 | 12,301 | |
| June 2025 | $1,037 | $1,365 | 12,124 | |
| July 2025 | $1,031 | $1,355 | 11,978 | |
| August 2025 | $985 | $1,296 | 12,786 | |
| September 2025 | $924 | $1,221 | 14,745 | |
| October 2025 | $948 | $1,249 | 16,387 | |
| November 2025 | $926 | $1,221 | 17,439 | |
| December 2025 | $931 | $1,231 | 18,037 | |
| January 2026 | $954 | $1,257 | 15,432 | |
| February 2026 | $976 | $1,283 | 15,160 | |
| March 2026 | $1,005 | $1,322 | 14,584 | |
| April 2026 | $998 | $1,308 | 13,005 | |
| May 2026 | $1,102 | $1,439 | 11,695 | |
| June 2026 | $1,103 | $1,442 | 11,773 | |
| July 2026 | $1,095 | $1,431 | 11,654 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| San Francisco County | $2,456 | $3,076 | 17 | |
| Del Norte County | $2,186 | $2,742 | 10 | |
| Calaveras County | $2,174 | $2,713 | 6 | |
| Trinity County | $2,125 | $2,579 | 4 | |
| Sonoma County | $2,098 | $2,656 | 158 | |
| Marin County | $2,049 | $2,555 | 499 | |
| Siskiyou County | $2,029 | $2,596 | 19 | |
| Tuolumne County | $1,994 | $2,425 | 5 | |
| Nevada County | $1,945 | $2,495 | 7 | |
| Lassen County | $1,865 | $2,357 | 8 | |
| Mendocino County | $1,844 | $2,328 | 31 | |
| Napa County | $1,747 | $2,226 | 66 | |
| Monterey County | $1,739 | $2,217 | 92 | |
| San Mateo County | $1,695 | $2,148 | 351 | |
| Tehama County | $1,650 | $2,078 | 38 | |
| Amador County | $1,644 | $2,080 | 10 | |
| Sierra County | $1,572 | $1,983 | 4 | |
| Plumas County | $1,557 | $2,059 | 3 | |
| Lake County | $1,554 | $1,974 | 63 | |
| Santa Barbara County | $1,470 | $1,903 | 237 | |
| Santa Cruz County | $1,469 | $1,870 | 307 | |
| Contra Costa County | $1,437 | $1,834 | 221 | |
| Solano County | $1,406 | $1,814 | 130 | |
| Shasta County | $1,389 | $1,748 | 43 | |
| Yuba County | $1,312 | $1,708 | 51 | |
| Los Angeles County | $1,283 | $1,659 | 908 | |
| Ventura County | $1,278 | $1,664 | 255 | |
| Santa Clara County | $1,251 | $1,597 | 912 | |
| San Luis Obispo County | $1,204 | $1,559 | 143 | |
| San Bernardino County | $1,203 | $1,556 | 181 | |
| Alameda County | $1,185 | $1,527 | 194 | |
| San Diego County | $1,175 | $1,535 | 702 | |
| Riverside County | $1,147 | $1,487 | 245 | |
| San Benito County | $1,079 | $1,345 | 8 | |
| Humboldt County | $1,065 | $1,376 | 28 | |
| El Dorado County | $1,045 | $1,425 | 15 | |
| Mono County | $1,007 | $1,373 | 12 | |
| San Joaquin County | $1,000 | $1,344 | 202 | |
| Orange County | $992 | $1,317 | 641 | |
| Modoc County | $989 | $1,373 | 5 | |
| Placer County | $981 | $1,289 | 60 | |
| Yolo County | $949 | $1,253 | 158 | |
| Tulare County | $919 | $1,225 | 397 | |
| Imperial County | $894 | $1,217 | 5 | |
| Kern County | $876 | $1,186 | 312 | |
| Fresno County | $865 | $1,180 | 67 | |
| Stanislaus County | $858 | $1,146 | 51 | |
| Merced County | $791 | $1,082 | 359 | |
| Madera County | $789 | $1,136 | 49 | |
| Inyo County | $777 | $989 | 3 | |
| Glenn County | $719 | $945 | 18 | |
| Butte County | $688 | $963 | 93 | |
| Colusa County | $683 | $925 | 52 | |
| Sacramento County — June 2026 profile | $643 | $884 | 3,111 | |
| Kings County | $605 | $885 | 16 | |
| Sutter County | $526 | $755 | 72 |
Use this data
Download California CSV (california.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"California Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/california
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.