Sacramento County, California
flood insurance data
- The median paid claim, $13,529, is 32.7% below the California median ($20,115) and 63.7% below the national median of the same years ($37,248), the 101st lowest of 339 counties with all four FEMA sources.
- Of the 1,229 owner registrations FEMA inspected in Sacramento County after disasters of every declared type, 0.5% show more than $30,000 of FEMA-inspected damage, against 16.9% across California and 2.6% nationally. The disaster with the most inspections is DR-4683, SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (declared 2023-01-14), with 1,134.
- With 42,270 residential NFIP policies effective 2025, Sacramento County has the 14th most of 339 counties with all four FEMA sources, and the most of 15 California counties of that list.
- Two years hold 72.4% of the paid claims (year of loss 2015-2024): 2017 with 92 and 2023 with 52.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Sacramento County
NFIP premiums: what NFIP policyholders paid, not a quote. Across 42,270 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $847, and half of them fall between $657 (Q1) and $1,057 (Q3).
The median NFIP premium in Sacramento County, $847, is 19.8% below the California median ($1,056) and 19.7% below the national median ($1,055); it is the 60th lowest of 339 counties with all four FEMA sources. Residential NFIP policies counted by FEMA fell 15.1% between 2019 (49,764) and 2025 (42,270); the first year, 2019, has the highest count of the 7.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 28,357 | $644 | $835 | $1,056 |
| Outside SFHA (X, B, C) | 13,913 | $679 | $874 | $1,075 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| A99 | 25,867 | $647 | $838 | $1,056 |
| X | 13,913 | $679 | $874 | $1,075 |
| AE | 2,189 | $595 | $791 | $1,060 |
| AH | 193 | $680 | $825 | $1,126 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 49,764 |
| 2020 | 48,572 |
| 2021 | 48,939 |
| 2022 | 46,139 |
| 2023 | 45,156 |
| 2024 | 43,996 |
| 2025 | 42,270 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 42,270 policies.
NFIP paid building claims in Sacramento County
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 199 paid claims; median $13,529, half of them between $4,736 (Q1) and $30,141 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $14,985, a monetary adjustment, not today’s cost of repair.
The named event with the most paid claims in Sacramento County, California Atmospheric River, accounts for 34.2% of them, ahead of Mid-Winter California Flooding (0.5%): no single event holds a majority. With 199 paid claims (year of loss 2015-2024), Sacramento County has the 115th fewest of 339 counties with all four FEMA sources, and the 6th most of 15 California counties of that list.
| Event | Paid claims | Share |
|---|---|---|
| California Atmospheric River | 68 | 34.2% |
| Mid-Winter California Flooding | 1 | 0.5% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 0 |
| 2016 | 6 |
| 2017 | 92 |
| 2018 | 6 |
| 2019 | 6 |
| 2020 | 1 |
| 2021 | 19 |
| 2022 | 16 |
| 2023 | 52 |
| 2024 | 1 |
FEMA disaster declarations
Since 2000: 9 flood, hurricane and severe-storm declarations (DR and EM) covering Sacramento County, 6 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 5 |
| Hurricane | 1 |
| Severe Storm | 3 |
Latest declarations
- DR-4699: SEVERE WINTER STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES (Severe Storm, 2023-04-03)
- EM-3592: SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (Flood, 2023-03-10)
- DR-4683: SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (Flood, 2023-01-14)
- EM-3591: SEVERE WINTER STORMS, FLOODING, AND MUDSLIDES (Flood, 2023-01-09)
- DR-4308: SEVERE WINTER STORMS, FLOODING, AND MUDSLIDES (Flood, 2017-04-01)
FEMA assistance to homeowners
Since 2002: 1,229 owner registrations inspected by FEMA in Sacramento County after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 522 |
| $1-$10,000 | 649 |
| $10,001-$20,000 | 44 |
| $20,001-$30,000 | 8 |
| More than $30,000 | 6 |
Disasters with the most inspections
- DR-4683, SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (declared 2023-01-14): 1,134 inspections
- DR-1628, SEVERE STORMS, FLOODING, MUDSLIDES, AND LANDSLIDES (declared 2006-02-03): 95 inspections
NFIP communities and flood maps
FEMA’s Community Status Book places 8 NFIP communities in Sacramento County alone; 3 of them (37.5%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 2 (Sacramento County *): FEMA applies that 40% discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole county; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Sacramento County dates from 2012-08-16 (Isleton,city of).
| Community | In the NFIP | CRS class | CRS discount (all policies) | Map in effect | First FIRM | Sanction |
|---|---|---|---|---|---|---|
| Sacramento County * | yes | 2 | 40% | 2024-02-22 | 1979-03-15 | — |
| Sacramento, City of | yes | 4 | 30% | 2024-02-22 | 1978-09-15 | — |
| Citrus Heights, City of | yes | 7 | 15% | 2024-02-22 | 1979-03-15 | — |
| Elk Grove, City of | yes | — | — | 2018-07-19 | 1979-03-15 | — |
| Folsom, City of | yes | — | — | 2024-02-22 | 1982-01-06 | — |
| Galt, City of | yes | — | — | 2016-10-20 | 1981-12-01 | — |
| Isleton,city of | yes | — | — | 2012-08-16 | 1978-12-01 | — |
| Rancho Cordova, City of | yes | — | — | 2024-02-22 | 1979-03-15 | — |
Questions about flood insurance in Sacramento County
How much is flood insurance in Sacramento County?
NFIP policyholders in Sacramento County paid a median of $847 for residential policies effective 2025 (42,270 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $657 and $1,057; $835 inside the Special Flood Hazard Area against $874 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Sacramento County had?
199 NFIP building claims were paid (year of loss 2015-2024), with a median of $13,529; the year with the most was 2017 (92), and the named event with the most was California Atmospheric River (68). These are amounts paid, not repair cost.
Is Sacramento County in a flood zone?
Of the residential NFIP policies of Sacramento County (policies effective 2025), 28,357 are rated inside the Special Flood Hazard Area and 13,913 outside it (zones listed: A99, X, AE, AH), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Statewide figures: California flood insurance data.
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A county figure can rest on one disaster, and FEMA’s county code may not be the county where every property stands. Method and limits.
Source and notice
- Dominant event: California Atmospheric River = 0.342 of paid claims 2015-2024.
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).