Flood insurance cost in Santa Clara County, California
In Santa Clara County, California, the lowest private flood insurance quote ran $500 a year and the typical private quote ran $1,087. The NFIP quote ran $2,750.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 79% below the NFIP quote, and private was the cheaper option for 100% of those 34 properties. The typical private quote came in 57% below NFIP.
Median annual premiums from 447 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Residential properties | $500 | $1,087 | $2,750 | 447 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Santa Clara County, California?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Santa Clara County, California was $1,087 a year and the lowest private quote a property received was $500. NFIP quotes ran $2,750. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Santa Clara County, California?
- Where a property was quoted both ways, the lowest private quote came in a median 79% below the NFIP quote, and private was the cheaper option for 100% of those 34 properties. The typical private quote came in 57% below NFIP.
- Where do these numbers come from?
- From 447 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in California
- Flood insurance in California: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.