Top Rated Local expert in California flood insurance and “Flood Nerds”.

Calfornia Flood Insurance

Hello, I’m Robert Murphy and I would love to help you with shopping for your flood insurance options there are more out there then you think and more coming too.

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If you currently have a National Flood Insurance Program (NFIP/FEMA) policy, you know how expensive premiums are getting – and how hard it is to pay your flood insurance renewal.

Better Flood Insurance is the Best California Flood Insurance Agency you will find period.

We’ve always prided ourselves on being more than just another insurance agency. We are a Flood Insurance Only Firm.

We make buying a new home in California that needs flood insurance possibility. Residential flood insurance, commercial flood insurance, Condo flood insurance, RCBAP, Master flood policies, excess flood insurance. We are here to do all the shopping for you. Let us give you the same quality and a proven blueprint that we have used to help thousands.

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There are many options out there and more to come, you don’t have time to be an expert to make sure you are getting the best coverage you can at the best price. WE DO!

Better Flood Insurance is an independent Flood Insurance agency that specializes in California and ONLY in flood insurance.

We know all the In’s and outs of flood insurance.

We know what your lender will require and how to make sure your loan closing happens on your time and is not delayed due to incompetent people who don’t know flood.

We will discover which is better for you a private flood insurance policy vs NFIP.

We shop all Lloyds of London Flood Insurance options in Californa.

If you take anything away from visiting this site know that there are more then just one option like some other” paid ads” might have you believe.

We make it buying flood insurance simple.

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Let us help you with your flood insurance requirements and help you truly understand when flood insurance is required by your lender and when it is not, know your true risk of flooding and offer options that work for your property and save money on flood insurance.

We will help you control the cost of flood insurance in Californa.

Try out the flood insurance calculator (above), then let us get your flood insurance quotes.

We have a Flood Nerd waiting to shop NFIP and prequalified private flood insurance companies list.

Our pledge to find you better flood insurance coverage, save you money and you might even hear a corny joke.

Flood Insurance in California: Do You Need Coverage?

The State of California doesn’t mandate that property owners have flood insurance, however many mortgage lenders require flood insurance coverage to get a loan if your property is located in one of Californians many high-risk flood zone map.

(Check out this link to see if your is) 
CALIFORNIA FLOOD INSURANCE

The cost of California flood insurance varies on different factors.

However, where your property is located in the high-risk government flood zone maps it does play a big factor in the premium.

Other factors include the amount of coverage, the deductible, the age of the home, occupancy, the type of building, whether or not you can get an NFIP subsidized policy, get the policy grandfathered or if you let us shop the growing number of private flood insurance companies in California including many California Lloyds of London Flood Insurance companies.

There are really two types of California Flood Insurance – The NFIP and The Private Flood Market

The National Flood Insurance Program (NFIP) has had a 50-year monopoly on flood insurance and just recently the federal government broke it up with BW-12 and one of your California representatives was the driving force behind this change.

Maxing Waters (the “W” in B”W”-12). One of the main things this legislation did was allow competition to come into the flood insurance market through the Private flood insurance market.

Lloyds of London Flood Insurance is an example of one of the options however it is good to note that there are many Lloyds of London flood insurance options.

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How Much Does It Cost in California?

Ok now let’s get to what you want. Let’s say for all-purpose of education we are going to use the cost of flood insurance on just the Building at the maximum $250,000 residential building.

On average the cost of California Flood insurance is around $793 annually.

However, if your property is in a low to moderate California flood zone map we are seeing annual premiums of $450 for your primary residence and $750 for a second home or investment property.

These are usually identified as an X flood zone map

In a higher-risk flood zone map (A or V) this is where the premiums are getting downright ridiculous on the NFIP program we are seeing California flood insurance at $1,500 – $5,500.

In this case, we would suggest that you look into a private flood insurance market option.

Coverage $100,000 $150,000 $200,000 $250,000
FEMA* $938 $1103 $1366 $1529
BETTER* $434 $605 $770 $930
Your Savings $504 $507 $596 $599
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Does California homeowner insurance cover flooding?

A typical California homeowners policy is written through Farmers, State Farm, Allstate, and Progressive, for instance, exclude flooding as something that will be covered under their homeowner’s policy. 

In most cases, the only way to get flood coverage is by purchasing a stand-alone flood insurance policy.

However, you should ask your homeowners agent if you can an endorsement to your homeowner’s policy to cover flooding.

Don’t be too surprised if the answer is NO. 

Calfornia Flood Insurance

Do Need flood insurance in California?

It is important to have flood insurance coverage in California because your beloved state has seen is more than its fair share of flooding.

Most Homeowners who own property in California have thought about flood insurance at some point, maybe before buying a home, or during the loan closing process, however many of us only think about it when a big storm is looming or we have heard on the news that there is flooding forecasted and are home may be at risk. 

It is too late to buy this time. 

If your home or business is in a flood zone that is considered a low flood risk area. 

You may decide to forgo purchasing flood insurance coverage. 

You may have even have been told by a real estate agent and some other insurance agents that you don’t need it. 

Please consider the fifty years of data our government has collected around flooding in the United States 

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Statistically 20-percent of all flooding events across our nation every single year come in areas that are considered low risk.

That’s one-fifth of all claims are in areas that are considered low risk how does this happen? 

And our last few major storms we saw flooding in these low-risk areas.

Many people have so much damage to their home (flooding is one of the largest claims you will likely ever have to file) and many people didn’t have flood insurance and don’t have the money to fix the damage. 

The asset they thought they would have into their senior years is now costing them forty to ninety thousand to repair the damage. Postponing their financial future and some may never recover. 

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90 percent of all those who had floodwater in their home or building after these past events…. did not have flood insurance coverage.

Many probably thought they didn’t need it or were told they didn’t. Don’t get caught to buy this lie. 

Some people believe that the government will help them after a flood and this may be true, (kinda) consider that there are a few things that must align for you to get government assistance after a natural disaster (Flood). 

  • 1) the president of the united states must declare the flooding event as a state of emergency if this doesn’t happen then there won’t Federal assistance. 
  • 2) the average amount of assistance a homeowner gets after a flood when they do not have flood coverage is $5,000, the average cost of damage to one’s property after a flood is $45,000+ and that $5K you get from the government? It comes in the form of a loan. You will need to pay it back. On top of your mortgage payment. No wonder many properties are abandoned or foreclosed on after having water damage the structure.  

Are you willing to gamble away your financial future by forgoing flood insurance coverage?

Another thing it considers is that many of the federal maps were created in the ’70s.

Think about what was going on in the ’70s and how far technology has advanced since then. 

Many of our maps are out of date. 

In the 20th century, the world’s population increased from 1.5 billion to 6.1 billion

https://www.bloomberg.com/graphics/2017-fema-faulty-flood-maps/
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Flood insurance rate maps California

One more note on these low-risk flood zone maps. Many of them are over 30-years old.

California, in particular, has many maps that are 30+ years old. 

If the area has been developed then there is likely more concrete creating a barrier for land that might have absorbed the massive downpour. 

Since 1970 California’s population has grown from 19.9 Billion to 39.5 billion that is an almost double percent of growth, and that many people need homes and buildings to work in.

All this to say that if your California home has been built during this time there is a good chance that your property could be at risk for flooding and you may not even be aware. 

Flooding is the #1 natural disaster in the United States. 

California has its fair share of natural disasters, earthquakes, wildfires, floods, landslides, winter storms, and even tsunamis

Because of all these factors, it is really difficult for property owners to know their true risk of flooding.

FEMA admits that their flood maps only give an idea for part of the risk.

Our recent storms are facts that it can rain anywhere within California’s borders and you should consider getting flood coverage so you are not uninsured when you need it most. 

Fema flood zone maps often take years to go into effect after the terrain was actually studied, this gives the impression that on a new map that the area is “more up to date” then it really is.

The average cost for flood insurance in California in these Low-risk areas is $850 per year.

So worth it to have coverage and not need it than to not have coverage and wish you had it.  

If your lender doesn’t require flood insurance for your California property it DOES NOT mean you are safe from flooding. 

FEMA’s National Flood Insurance Program (NFIP), and all federally backed lenders rely on these maps to assess risk, set premium and determine who is required to purchase flood insurance. 

Bad information about an area’s flood risk can leave property owners under or uninsured. 

Lenders should demand updated maps. 

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What are my flood insurance options in California?

There are many companies in California that sell flood insurance below are most of them and the benefits of each. We will shop ALL the option for you.

California NFIP flood insurance. 

There are many options available in California in regards to flood insurance but they basically fall into two main categories. 

The NFIP / FEMA policy

  • 1_The National Flood Insurance Program (NFIP) also known as FEMA which is the Government option for flood insurance and has enjoyed a 50-monopoly on the flood insurance market. 

Not private flood insurance but NFIP Resellers

If you have AAA Flood Insurance Southern California, Nationwide flood insurance, State Farm Flood Insurance, Progressive Flood Insurance or any of the logos below then you are buying the NFIP flood policy that is just being resold through a government program.

These companies are private companies but their flood insurance is not. Here is a list of the 70 companies that resell the NFIP policy. 

https://www.fema.gov/wyo_company
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California’s private flood insurance market

There are alternative to the NFIP or government insurance for California and this is called private Flood Insurance Market, most notably Lloyds of London Flood insurance, however, there are other options alternative flood insurance to the NFIP available in CA. 

We shop all the options for your property in your region of California to ensure you are getting the best premium.

If you are ready to have us do the work for you click here. 

Our shopping will include the NFIP because sometimes we find that with government subsidies you can get a much better premium on the National Flood Insurance Program. 

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Lloyds of London Flood Insurance Market in California

California is fortunate to have many Lloyds of London flood insurance options. 

Often times Lloyds if cheap flood insurance California in regards to the NFIP

Although many of these Lloyds flood insurance companies will have you assume that theirs is the only option –  nothing could be further from the truth.

Lloyds of London has a rich history and is attributed to have invented the very first modern insurance model. 

Unlike most of its competition, Lloyds of London is not really a company but rather a corporate body, this structure works quote well obviously since it has been around for over 330 years. 

Lloyds operates under multiple financial backers that all pool their capital to spread the risk.

So if you have a Lloyds policy then you have the backing of One-hundred and Twenty Billion on your side ($120,000,000,000+)

I have two blog post that takes a deep dive into Lloyds of London and what they mean to California flood insurance market if you are interested links are below. 

Lloyds of London Flood Insurance

NFIP/FEMA vs Private Flood Insurance

Lloyds also insures the world for flooding meaning they cover flooding events in India, Australia as well as much of Europe, Africa, China, and on and on.

You see the “game” of insurance is to spread your risk all over the work to diversify this allows Lloyds of London Flood insurance to predict the losses with reasonable accuracy by the law of averages. 

Since Lloyds is one of the few global insurers they can easily do this.

My joke here is that Lloyds is banking on Gods promise that he won’t flood the entire world again, …..so they won’t have to pay out the whole worlds flood claim.

How much does flood insurance cost in California

There are many factors that go into getting the Cost of flood insurance for California.

If your home is located in what is considered low-to-moderate risk. 

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California low-to Moderate Risk rate and cost.

 (This is Flood Zone X) which is not a lender required flood zone. 

This is usually identified as an X-flood zone then we would suggest the government Preferred Risk Policy (PRP) which is a subsidized policy and has set flood insurance coverage limits (see the grid below)

Here a link if you want to really dig into this one.

Be ready for an eye chart because every option is public record and should be standardized accost whoever writes these policies. 

The average cost for flood insurance in California, (CA) with the maximum set limits in these Low-risk flood zone areas is $700 – $900 per year.  

https://www.fema.gov/media-library-data/1523307331106-4cf9726b2eb04c3471a3e9d37a58fa6a/09_prp_508_apr2018.pdf

If for the property is in higher-risk flood zone usually identified with a Flood zone AE.

Your lender will require you to have flood insurance. 

The cost of flood insurance in California depends on many factors that are unique to the structure. 

We are going to try to give you an idea for the most common homes we see in California with a slab on grade foundation. 

We will look at the cost of flood insurance for the NFIP maximum $250,000 for the (building only) with NO CONTENTS and our recommended deductible of $5,000. 

We will be rating all this example on the NFIP as well as on a few of our Lloyds options. 

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Cost of Flood Insurance in California in high-risk flood zone AE 

Our example is in Los Angeles, CA but the premiums will be the same if in Alameda, Arvin, Novato, San Rafael, Merced, Garden Grove, Huntington Beach, Newport Beach, Santa Ana, Elk Grove, Sacramento, San Bernardino, Ocean Side, San Diego, Stockton, San Mateo, Santa Barabra, Milpitas, Palo Alto, San Jose, Santa Cruz, Vacaville, Yuba City, Visalia, Santa Paula, Simi Valley and many other California’s Cities and Counties A flood zones. 

In our example, the Base Flood Elevation (BFE is 136.6) and is a home that is built in 1974

Flood insurance companies in California

NFIP option in California Flood Zone AE

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

California NFIP Annual premium in High-Risk flood zone is $3,465.00

This option is what we see if the property has had a flood loss before, and either doesn’t have an Elevation Certificate applied or the Elevation certificate showing that the lowest floor is 4 feet under the BFE and often times in an unnumbered A flood zone.

You can use 10% of your coverage to cover other structures on your property

California  Private flood insurance – Lloyds of London Flood Insurance (option 1)

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

California Lloyds of London (option 1)  Annual premium in High-Risk flood zone is $1,047.09

This option is great and we are very happy when we can get this option.

They can be a bit choosy about what risk they will accept, and will not take anything that has had a flood loss.

They do offer coverage for basements. And about $2,000 for loss of use.

$2,000 for other structures can’t increase this coverage. They do not require an Elevation Certificate to rate.

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California Private flood insurance – Lloyds of London Flood Insurance (option 2)

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

California Lloyds of London (option 2)  Annual premium in High-Risk flood zone is $1,309.40

This option is great and we are very happy when we can get this option for our clients as well.

They seem to be writing almost all risks, however, they do not write any property that is in a designated floodway or has the depth of -4 under the BFE in our example with our BFE being 1269 if the lowest floor is 1265 then they will not accept this risk, they will not take anything that has had a flood loss.

They do offer limited coverage for basements.

Do not require an Elevation Certificate to rate.

And as a percentage of coverage for loss of use.

If you want coverage for other structures than that will need to be added. 

California Private Flood insurance option (option 3) 

Coverage of $250,000 building coverage (no Contents coverage) and $5,000 deductible

California Private flood insurance (option 3) Not Lloyds, Alternative to NFIP Annual premium in High-Risk flood zone is $1,196.54

This option will take properties that have had one flood loss before as long as it has been more than five years and the payout was under $100,000 on the claim. Their coverage matches the NFIP. 

Will write practically all risks, don’t need an elevation certificate to rate and are a bit lower in premium than the NFIP. 

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Private Flood insurance –  Lloyds of London (option 4) 

This option has to be written on the Replacement Cost Value (RCV) of the building otherwise there is a co-insurance penalty that kicks in.

So $250,000 might be a bit low in California but to keep this going let’s just use that for this option

Coverage of $250,000 (RCV) building coverage, 20% Contents coverage standard, 10% other structures and 10% loss of use and $5,000 deductible

Annual premium in High-Risk flood zone is $5,184.00 (great price) 

This options rating system is all over the board sometime we get a crazy great price other times the premium is way higher than the NFIP will consider taking a property that has had one flood loss before as long as it has been more than ten years and the payout was under $150,000 on the claim.

Their coverage must be at Replacement cost which is a bit different from some of our other Lloyd’s flood options we usually reserve this one if the property doesn’t fit into any of our option above.

We can adjust coverages to control premium.

AS mentioned before this underwriters rates are all over the board it is worth shopping through to make sure we are getting you the best premium we can. They don’t need an elevation certificate to rate.


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California V and VE flood zones 

V and VE flood zones with the NFIP can be extremely expensive. We have seen a premium that is $30,000 a year for a single home family. This is ridiculous!!

We suggest that you let us shop your California V or VE flood zones on to the private flood Market that is underwritten by Lloyds of London. We are seeing savings in the thousands.   

We have been able to double even triple coverage for California’s oceanfront properties. 

The main issue that we see with beachfront properties is that on the NFIP they have a one-size-fits-all solution and many properties are paying over what we consider is a fair premium for waterfront houses. 

How to save money on Flood Insurance in California VE flood zones

Flood Insurance California’s coast

All homes that are ocean-facing are custom built so with this special consideration our Lloyds of London VE flood zone and other Private Flood Insurance options for oceanfront properties take this into consideration with variable coverage options as well as significant savings below is a case study for a property we were shopping just last week. 

Our example was in the Fairfield, CA 06824 area and is in a VE flood zone map. 

For the coverage of $250,000 with no contents and a $5,000 deductible, the NFIP annual cost for flood insurance in a VE flood zone is $12,278.00. Ouch!

Since we are who we are and experts in Flood Insurance we will look at every property every way possible to ensure that we are getting the best premium for our clients and WE often Do (smile wink) 

We tried this same property on our Private flood options and were able to get the premium to under $2,500 and we have in some cases with similar properties gotten the annual premium to $600 this was a feather in our cap and made our clients very happy.

Again all properties are unique in these VE flood zones but if we can find a private flood policy for you we guarantee it will be better then the NFIP option. 

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Flood Insurance in Southern California?

Arvin & Bakersfield CA
Average Cost of Flood
Insurance $550
Kern County CA
Average Cost of Flood
Insurance $807
Long Beach, CA
Average Cost of Flood
Insurance $1,252
Los Angeles CA
Average Cost of Flood
Insurance $763
Malibu & Manhattan Beach CA
Average Cost of Flood
Insurance $2,947
Santa Clarita & Santa Monica CA
Average Cost of Flood
Insurance $1,133
Anaheim CA
Average Cost of Flood
Insurance $675
Fountain Valley CA
Fullerton City CA
Average Cost of Flood
Insurance $1,019
Garden Grove CA
Average Cost of Flood
Insurance $1,700
Huntington Beach CA
Average Cost of Flood
Insurance $1,192
Laguna Beach CA
Average Cost of Flood
Insurance $1,216
Newport Beach CA
Average Cost of Flood
Insurance $1,063
Santa Ana CA
Average Cost of Flood
Insurance $608
Westminister & Yorba Linda CA
Average Cost of Flood
Insurance $1,291
Indio & La Quinta CA
Average Cost of Flood
Insurance $530
Riverside CA
Average Cost of Flood
Insurance $757
Redlands CA
Average Cost of Flood
Insurance $1,089
Twentynine Palms CA
Average Cost of Flood
Insurance $817
Oceanside CA
Average Cost of Flood
Insurance $625
San Diego CA
Average Cost of Flood
Insurance $933
Carpinteria & Goleta CA
Average Cost of Flood
Insurance $1,091
Santa Barbara CA
Average Cost of Flood
Insurance $1,039
Camarillo, CA
Average Cost of Flood
Insurance $605
Oxnard CA
Average Cost of Flood
Insurance $633
Thousand Oaks CA
Ventura CA
Average Cost of Flood
Insurance $875
San Buenaventura CA
Average Cost of Flood
Insurance $633
Santa Paula & Simi Valley CA
Average Cost of Flood
Insurance $633
Fillmore, CA
Average Cost of Flood
Insurance $605
Moorpark & Ojai, CA
Average Cost of Flood
Insurance $605
San Bernardino CA
Average Cost of Flood
Insurance $1,089
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Flood Insurance in Northern California?

Alameda CA
Average Cost of Flood
Insurance $704
Fremont & Hayward CA
Average Cost of Flood
Insurance $1,052
Oakland CA
Average Cost of Flood
Insurance $1,052
San Leandro & Union City CA
Average Cost of Flood
Insurance $1,219
Butte County & Chico CA
Average Cost of Flood
Insurance $836
Concord CA
Average Cost of Flood
Insurance $1,076
Contra Costa County CA
Average Cost of Flood
Insurance $1,076
Martinez & Pleasant Hill CA
Average Cost of Flood
Insurance $1,257
San Pablo & Walnut CA
Average Cost of Flood
Insurance $1,193
Fresno CA
Average Cost of Flood
Insurance $751
Humboldt County CA
Average Cost of Flood
Insurance $1,059
Lake County & Lakeport CA
Average Cost of Flood
Insurance $884
Madera County CA
Average Cost of Flood
Insurance $900
Belvedere & Fairfax CA
Average Cost of Flood
Insurance $1,134
Corte Madera CA
Average Cost of Flood
Insurance $1,134
Marin County & Mill Valley CA
Average Cost of Flood
Insurance $1,181
 Navato CA
Average Cost of Flood
Insurance $802
San Rafael & San Anselmo CA
Average Cost of Flood
Insurance $1,570
Monterey CA
Average Cost of Flood
Insurance $1,338
Merced CA
Average Cost of Flood
Insurance $608
Napa CA
Average Cost of Flood
Insurance $1,511
Placer County CA
Average Cost of Flood
Insurance $658
Rocklin & Roseville CA
Average Cost of Flood
Insurance $658
Elk Grove & Folsom CA
Average Cost of Flood
Insurance $412
Sacramento CA
Average Cost of Flood
Insurance $450
San Joaquin County CA
Average Cost of Flood
Insurance $767
Lathrop, Lodi, Manteca CA
Average Cost of Flood
Insurance $1767
Stockton CA
Average Cost of Flood
Insurance $541
San Luis Obispo CA
Average Cost of Flood
Insurance $964
East Palo Alto & Foster City CA
Average Cost of Flood
Insurance $1,300
Menlo Park CA
Average Cost of Flood
Insurance $1,403
San Mateo CA
Average Cost of Flood
Insurance $1,377
Milpitas CA
Average Cost of Flood
Insurance $1,058
Palo Alto & San Jose CA
Average Cost of Flood
Insurance $973
Santa Clara CA
Average Cost of Flood
Insurance $1,089
Sunnyvale CA
Average Cost of Flood
Insurance $1,184
Santa Cruz CA
Average Cost of Flood
Insurance $1,052
Watsonville CA
Average Cost of Flood
Insurance $1,336
Redding CA
Average Cost of Flood
Insurance $829
Siskiyou CA
Average Cost of Flood
Insurance $816
Benicia, Fairfield & Solano CA
Average Cost of Flood
Insurance $891
Suisun, Vacaville & Vallejo CA
Average Cost of Flood
Insurance $920
Healdsburg & Petaluma CA
Santa Rosa CA
Average Cost of Flood
Insurance $829
Sonoma CA
Average Cost of Flood
Insurance $1,120
Stanislaus County CA
Average Cost of Flood
Insurance $826
Sutter County CA
Average Cost of Flood
Insurance $717
Tehama & Red Bluff CA
Average Cost of Flood
Insurance $985
Tulare County CA
Dinuba, Farmersville & Visalia
Average Cost of Flood
Insurance $727
Yolo County, Sacramento CA
Davis City, Winters & Woodland CA
Average Cost of Flood
Insurance $634
Yuba County CA
Marysville & Wheatland CA
Average Cost of Flood
Insurance $510
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How much does Flood Insurance in California?

Currently, the state of California has had 229,239 NFIP policies in force to date with the total cost of $184,728,154 that would make the average for our state $805 of course, some will pay more and some will pay less. 

Alameda County, CA and Alameda City combined you have 1,304 flood policies and are paying the total of $918,915 to the federal government for your flood insurance and this makes your average cost $704. If you are paying more it might be a good idea to let us shop for a new policy. 

Fremont, Hayward and Oakland CA your average is $1,052 with 1,185 policies combined and paying the total of $1,372,553

San Leandro and Union City, CA  has 928 NFIP policies and are paying $1,131,941 making your average $1,219.

Flood insurance in Butte County and Chico California, combined you are paying the average of $836 for flood coverage through the NFIP. I think you might do better on the private flood insurance market. Let us flood nerds help you out. 1-866-990-7482. You have 2,128 flood policies and paying collectively $1,781,012.

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Concord and Contra Costa County, CA you have 1,875 flood policies and are paying the total of $2,017,760 making your average flood policy $1,076. It seems that being in the beautiful county of East Bay might be distracting you from finding a better premium for your flood insurance that’s ok we can do the shopping enjoy good wine.  

Flood insurance for Martinez & Pleasant Hill CA you have the 904 FEMA flood policies and are paying the grand total $1,136,507 with the average flood policy of $1,257. Try us out for a free quote www.betterflood.com/quote

San Pablo and Walnut Creek, CA you have 637 National flood insurance program policies are paying the total of $760,228 to the federal program making the average policy $1,193. 

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Fresno CA you have 1,023 flood policies and is paying the total of $768,727 to FEMA making your average flood policy $751. If you are paying more than this it might be time to shop. 

Humboldt County, CA $1,059 is the average flood policy for this are If you aren’t paying this amount or if your NFIP premium jumps way up (+25% is forecasted in the near future) it might be a good idea to keep your options open and let the flood nerds shop. You have 580 flood policies and are paying  a total of $614,484

Arvin and Bakersfield CA. Combined you have 1,558 flood policies and are paying $856,999. Bringing your average to $550. 

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Flood insurance Kern County CA. With combined flood policies of 3,022 and paying a total of $2,441,651. The average cost of flood insurance in this area is $807. 

https://www.bakersfield.com/multimedia/photo-galleries/photo-gallery-rain-flooding-in-kern-county/collection_7fd47322-4077-11e9-8fdf-4f7d7e4db9f2.html#6

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Flood Insurance in Lake County and Lakeport, CA your average flood policy is around $884 with 1,468 combined flood policies with NFIP and paying the total of $1,297,730 

Flood insurance in Long Beach, CA with 3,173 active flood insurance policies and paying $3,973,961 total for the NFIP coverage. The average policy is $1,252. If you are not seeing better than this price then let us see what we can do for you. We guarantee to shop the policy to all validate options within your region so you get a fair picture of what flood insurance should cost in your area.  

Flood insurance Los Angeles CA you have 11,062 flood policies and are paying about that much in premium $8,447,337. Your average is about $763. If you are paying more than this it would be a good idea to let us shop to see if we can get you a better premium.  

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Flood insurance in Malibu and Manhattan Beach CA -Your flood insurance average is $2,947. With 1,043 NFIP flood policies and paying a total of $3,073,973. This is one of the highest premiums we are seeing in your state I think that the private market flood insurance most likely is written with Lloyds of London Flood insurance could save you significant money. Let me help. 

Santa Clarita and Santa Monica CA, you have 802 flood policies and are paying the total of $908,953 to the federal government. Your average being $1,133. 

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Madera County CA you have 800 flood policies and are paying $720,285. The average CA flood insurance policy for this area is $900. 

Belvedere, Corte Madera and Fairfax, CA combined you also have 1,302 flood policies and are paying $1,476,811. With the average flood insurance policy being $1,134 if you want to see if we can save you money and I think we can start by filling out our intake form to get us shopping. 

Marin County & Mill Valley California Flood insurance policies average flood policy in this area is $1,181. With 2,601 flood policies and paying $3,072,568 to the federal program. 

Flood Insurance Novato CA you have 1,426 NFIP policies and paying the grand total of $1,144,377 to bring your average to $802

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Flood insurance for San Rafael and San Anselmo, CA combined you get 2,040 flood policies and are paying the total of $3,203,430 to bring your average to $1,570.

Merced CA both county and city  you have 5,220 flood policies with the average flood insurance cost being $608 and the total payment $3,178,191. Lets shop for a better premium. 

Flood Insurance in Monterey CA you have 1,697 flood policies, $2,270,982 is what you are shipping to DC in the form of flood premiums bringing your average to $1,338. 

Flood Insurance Napa CA. both county and city.  You have 1,569 active flood policies and are paying the total of $2,370,831 making the average flood insurance cost $1,511

Flood Insurance in Anaheim California you 473 flood policies and are paying the total of $353,248. This would make your average $675. If you aren’t seeing this premium lets see what we can do about it. 

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Fountain Valley and Fullerton City, California. Your average flood insurance cost is $1,019. With 843 flood policies and paying the NFIP the total of $859,157

Flood Insurance in Garden Grove California you 1,226 flood policies and are paying the total of $2,084,907. This would make your average $1,700. If you aren’t seeing this premium lets see what we can do about it. 

Huntington Beach California Flood insurance policies average flood policy in this area is $1,192. With 4,627 flood policies and paying $5,518,811 to the federal program. 

Flood Insurance Laguna Beach CA you have 526 NFIP policies and paying the grand total of $640,139 to bring your average to $1,216

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Flood insurance for Newport Beach, CA combined you get 1,587 flood policies and are paying the total of $1,687,177 to bring your average to $1,063.

Santa Ana CA both county and city  you have 1,208 flood policies with the average flood insurance cost being $608 and the total payment $3,178,191. Lets shop for a better premium

Westminster & Yorba Linda California Flood insurance policies average flood policy in this area is $1,291. With 713 flood policies and paying $920,617 to the federal program. 

Placer County, Rocklin and Roseville, CA combined you also have 1,247 flood policies and are paying $821,452. With the average flood insurance policy being $658. 

If you want to see if we can save you money and I think we can start by filling out our intake form to get us shopping. 

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Indio California & La Quinta Flood insurance policies average flood policy in this area is $530. With 1,150 flood policies and paying $610,633 to the federal program. 

Flood Insurance Riverside County and city CA you have 2,416 NFIP policies and paying the grand total of $1,829,872 to bring your average to $757

Flood Insurance Elk Grove and Folsom CA you have 1,378 NFIP policies and paying the grand total of $568,164 to bring your average to $412

Flood insurance for Sacramento, CA you are definitely the leader in flood insurance policies for state you get 51,223 flood policies and are paying the total of $23,076,958 to bring your average to $450.

Redlands & San Bernardino CA both county and city you have 1,751 flood policies with the average flood insurance cost being $1,089 and the total payment $1,907,425. Lets shop for a better premium. 

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Flood Insurance in Twentynine Palms CA you have 512 flood policies, $418,437 is what you are shipping to DC in the form of flood premiums bringing your average to $817. 

Oceanside CA combined you also have 1,376 flood policies and are paying $860,695. With the average flood insurance policy being $625. 

Flood Insurance San Diego both county and city.  You have 4,876 active flood policies and are paying the total of $4,553,078 making the average flood insurance cost $933

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San Joaquin County, CA including Lathrop, Lodi, Manteca you have 4,230 National flood insurance program policies are paying the total of $3,245,721 to the federal program making the average policy $767. 

Stockton CA you have 3,122 flood policies and is paying the total of $1,689,539 to FEMA making your average flood policy $541. If you are paying more than this it might be time to shop. 

San Luis Obispo, CA  both county and City combined $964 is the average flood policy for this are If you aren’t paying this amount or if your NFIP premium jumps way up (+25% is forecasted in the near future) it might be a good idea to keep your options open and let the flood nerds shop. You have 1,669 flood policies and are paying  a total of $1,610,239

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East Palo Alto and Foster City, CA combined you have 997 flood policies and are paying the total of $1,296,552 to the federal government for your flood insurance and this makes your average cost $1,300. If you are paying more it might be a good idea to let us shop for a new policy. 

Flood Insurance in Menlo Park CA your average is $1,403 with 754 policies and paying the total of $1,058,344

San Mateo County and City, CA has 1,606 NFIP policies and are paying $2,212,840 making your average $1,377.

Flood Insurance in Carpinteria CA and Goleta CA your average is $1,091 with 966 policies and paying the total of $1,054,183

Flood insurance in Santa Barbara, you are paying the average of $1,039 for flood coverage through the NFIP. I think you might do better on the private flood insurance market. Let us flood nerds help you out. 1-866-990-7482. You have 3,515 flood policies and paying collectively $3,655,410.

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Milpitas Flood insurance policies average flood policy in this area is $1,058. With 1,382 flood policies and paying $1,463,106 to the federal program. 

Flood Insurance Palo Alto and San Jose CA you have 10,030 NFIP policies and paying the grand total of $9,763,609 to bring your average to $973

Flood Insurance Santa Clara CA you have 1,261 NFIP policies and paying the grand total of $1,274,449 to bring your average to $1,089

Flood insurance for Sunnyvale, CA you have 802 flood policies and are paying the total of $950,414 to bring your average to $1,184.

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Santa Cruz, CA both county and city you have 3,179 flood policies with the average flood insurance cost being $1,051 and the total payment $3,341,176. Lets shop for a better premium. 

Watsonville, CA Flood insurance policies average flood policy in this area is $1,336. With 639 flood policies and paying $854,340 to the federal program. I’m sure we can do better. 

Redding, CA  & Shasta County CA combined you have 943 flood policies with the average flood insurance cost being $829 and the total payment $782,500. 

Siskiyou County, CA you have 251 National flood insurance program policies are paying the total of $204,962 to the federal program making the average policy $816.

Benicia, CA, Fairfield, CA and Solano County you have 815 National flood insurance program policies are paying the total of $726,373 to the federal program making the average policy $891.

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Suisun, Vacaville and Vallejo, CA combined you have 2003 flood policies and are paying the total of $1,843,061 to the federal government for your flood insurance and this makes your average cost $920. This is your base premium before the government adds their fees. So you could be seeing higher numbers.

Healdsburg, CA including Petaluma & Santa Rosa you have 730 National flood insurance program policies are paying the total of $605,350 to the federal program making the average policy $829. 

Sonoma, CA  County & City, you have 2509 National flood insurance program policies are paying the total of $2,865,384to the federal program making the average policy $1,120.

Stanislaus county, CA  including Modesto, Newman, Patterson, you have 1,100 National flood insurance program policies are paying the total of $909,136 to the federal program making the average policy $826. Not bad if they didn’t add so many fees. 

Sutter County, CA Flood insurance policies average flood policy in this area is $717. With 4,834 flood policies and paying $2,499.871 to the federal program. 

Yuba, CA you have 1,599 National flood insurance program policies are paying the total of $739,013 to the federal program making the average policy $485. Great price if you are getting it if not give us a call 1-866-990-7482

Tehama, CA  County & City, including Red Bluff you have 1,096 National flood insurance program policies are paying the total of $1,080,098 to the federal program making the average policy $985.

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Tulare County, CA  including Dinuba, Farmersville CA, Lindsay, Porterville, Visalia CA,&  Woodlake CA you have 7,277 National flood insurance program policies are paying the total of $5,293,837 to the federal program making the average policy $727. Not bad if they didn’t add so many fees. WE love everyone at our Visalia, CA office. 

Camarillo, CA, Fillmore CA, Moorpark and Ojai CA you have 1,254 National flood insurance program policies are paying the total of $759,437 to the federal program making the average policy $605. Great price if you are getting it if not give us a call 1-866-990-7482

Oxnard, CA including San Buenaventura, Santa Paula and Simi Valley you have 4,115 National flood insurance program policies are paying the total of $2,730,620 to the federal program making the average policy $633.

Flood Insurance in Thousand Oaks CA & Ventura County you have 1,938 flood policies, $1,697,241 is what you are shipping to DC in the form of flood premiums bringing your average to $875. Quite manageable but fema always adds on their fees costing you hundreds. 

Oceanside CA combined you also have 1,376 flood policies and are paying $860,695. With the average flood insurance policy being $625. 

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Yolo County, CA  including Davis City, West Sacramento, CA, Winters, & Woodland CA you have 4,578 National flood insurance program policies are paying the total of $2,985,565 to the federal program making the average policy $634. Not bad if they didn’t add so many fees. 

Yuba County, CA  including Marysville CA, & Wheatland, CA, you have 3,445 National flood insurance program policies are paying the total of $1,759,063 to the federal program making the average policy $510. Not bad if they didn’t add so many fees. 

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California Flood Insurance Policies

Currently, there are more than 229,239 flood insurance policies in force in the State of California considering both Private and government programs. This figure has steadily increased over the years as new homes are being built as populations grow. With the south central region of California being a magnet for most of the severe weather. 

California families and business owners need to purchasing flood insurance to help safeguard their homes and assets.

The NFIP has made flood insurance available to more than twenty thousand communities in the United States. California has a growing Private flood insurance market. Although federal assistance is still a vital part of disaster recovery, it is much better to have flood insurance rather than wishing or hoping that the government will bail you out.  

For decades, the NFIP has over-charged 50 percent of its policyholders and under-charged the other 50 percent, while it has racked up $42 billion in taxpayer-funded losses, equating to more than half of every claim paid by the NFIP since 1978.

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About 30 percent of NFIP claims payments go to the same 3 percent of insured “repetitive loss” structures year after year. When you do the math, this means that the other 97 percent of their flood-exposed constituents could have paid in less and still netted larger claims payouts if they had better access to private flood insurance. In fact, a recent white paper by Milliman found that 90 percent of homes in Sandy-struck New York and New Jersey would see reduced flood insurance rates through private insurers.

Flood Insurance Calculator

Private flood insurance calculator

Private Flood Insurance vs NFIP

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References

The following documents contain additional hydrologic data, flood photos, historic flood descriptions, floodplain delineations, and other pertinent information, and should be considered supplemental to this flood warning plan:


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Newly CA Mapped Flood zones Alameda County CA 12/21/2018.

It appears that 3,692 properties that were in a Low to moderate risk flood zone (X flood zone) are now mapped into a high-risk flood zone (A, AE, AO flood zone). What this means to property owners that have a mortgage is that your lender will be requiring that you purchase flood insurance. Some lenders are more on it than others.

Parcels across Alameda’s shorelines, along with sections of the Oakland International Airport.

It encompasses several hundred homes around the Bay Farm Island lagoons, the Chuck Corica Golf Course, Doolittle Drive, and Oakland International Airport. It engulfs areas along Eastshore and Fernside; homes along Ballena Boulevard, Cola Ballena, and Tideway near Encinal High School; businesses near the Posey and Webster tubes and Mariner Square Drive; businesses near the Main Street Ferry; and much of Alameda Point.

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What you need to know about properties entering the Highrisk flood map.

YOU have one year to purchase flood insurance and can use the grandfathering subsidized rate these are drastically reduced rates that offer the residential coverage of $250,000 Building and $100,000 personal items for the annual premium of around $450 a year. If you miss this year window, this offer expires and the NFIP premium jumps to $3000.

If you miss this opportunity we still got your back and will shop for a private flood policy that can save over the NFIP subsidized rates.

However, if you ask a flood Nerd we would suggest you get the subsidized rate and we can help you purchase this policy, just fill out our intake questions www.betterflood.com/quote and put in the comments section that your property was newly mapped into a high-risk flood zone.

One thing to consider is that the prorated policy mentioned above caps out at $250,000 for residential property and your homes replacement cost is much higher. One way to see what your coverage should be is to review your homeowner policy and match the same coverage amount for your flood insurance policy. For most of us, our home is the single greatest asset in our portfolio so we much protect it.

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resources

https://dpw.lacounty.gov/floodzone/

Newly CA Mapped Flood zones Los Angeles CA 12/7/2018.

It appears that 2,550 properties that were in a Low to moderate risk flood zone (X flood zone) are now mapped into a high-risk flood zone (A, AE, AO flood zone). What this means to property owners that have a mortgage is that your lender will be requiring that you purchase flood insurance. Some lenders are more on it than others.

Parcels across Alameda’s shorelines, along with sections of the Oakland International Airport. It encompasses several hundred homes around the Bay Farm Island lagoons, the Chuck Corica Golf Course, Doolittle Drive, and Oakland International Airport. It engulfs areas along Eastshore and Fernside; homes along Ballena Boulevard, Cola Ballena, and Tideway near Encinal High School; businesses near the Posey and Webster tubes and Mariner Square Drive; businesses near the Main Street Ferry; and much of Alameda Point.




Flood nerd explains the difference between NFIP and the Private flood Market

Author: ROBERT MURPHY
Robert Murphy is the Founder of Better Flood Insurance a nationwide Flood Insurance Agency. He is a flood nerd, is passionate about education around the need for Flood Insurance.
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