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Home insurance & flood costs in ZIP 93638 (Madera, CA)

Plain facts for homeowners in Madera: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 93638 at a glance

Four numbers most homeowners ask about first.

$1,210
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,173
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.84%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

4.8%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 93638 in numbers
$13,678
average paid claim (2022)
+20%
premium change 2018–2022, after inflation
1.70%
cancelled by insurers mid-term (2022)
101
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 93638 was $1,210 in 2022, 48% below the Madera County typical ZIP ($2,340) and 22% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 20% between 2018 and 2022. About 4.8% of policies here had a paid claim in 2022, and insurers chose not to renew 0.84% of policies.

Madera County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 93638MaderaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 93638 in 2025 cost $1,173, based on 101 policies, compared with $1,045 in 2022. About 84% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

101 policies
A zones 84%X/B/C zones 16%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Madera County

The chart shows the share of homeowners policies in ZIP 93638 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Madera County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Drought100 · Very High
  • Wildfire99 · Relatively High
  • Landslide98 · Relatively Moderate
  • Heat wave98 · Relatively High
  • Earthquake97 · Relatively Moderate

Other ZIP codes in Madera County

Average premium per policy in 2022 (Treasury FIO).

93610 Chowchilla · $1,23493614 Coarsegold · $2,34093636 Madera · $1,60093637 Madera · $1,18593644 Oakhurst · $2,372

Practical next steps

Simple things homeowners in ZIP 93638 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, 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). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.