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How much is flood insurance in California?
When I got my home insurance, I didn’t realize I didn’t have flood damage coverage. It’s something that I want, so I’m going to buy coverage separately. How much is flood insurance in California?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s a good idea to be looking into flood insurance, especially if you live in or near a flood zone.
The
cost of flood insurance
in California can vary depending on several factors, but on average is between $750 and $990 per year.Factors that can influence your rate include your location and if you live within a flood zone. If you live in an area with a high risk of flooding, you’ll likely see a higher premium. To see your area’s risk of flooding, you can visit FEMA’s website.
Standard homeowners policies rarely include flood coverage, so you’ll usually have to purchase it separately. Still, it’s wise coverage to have as it’s one of the only ways to get financial protection for your property and possessions if they’re lost or damaged due to a flood.
As you search for flood insurance, consider making sure your other policies fit your needs with
Jerry
. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or car insurance. Jerry will even help you cancel your old policy.View full answer
- Gregory R.
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