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Home insurance & flood costs in ZIP 94606 (Oakland, CA)

Plain facts for homeowners in Oakland: 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 94606 at a glance

Four numbers most homeowners ask about first.

$1,716
Avg. home premium

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

Too few
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.04%
Nonrenewal rate

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

3.0%
Claim frequency

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

ZIP 94606 in numbers
$15,913
average paid claim (2022)
+7%
premium change 2018–2022, after inflation
1.39%
cancelled by insurers mid-term (2022)
0
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 94606 was $1,716 in 2022, about the same as the Alameda County typical ZIP ($1,696) and 11% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 7% between 2018 and 2022. About 3.0% of policies here had a paid claim in 2022, and insurers chose not to renew 1.04% of policies.

Alameda County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 94606AlamedaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Only 0 single-family NFIP policies took effect in ZIP 94606 in 2025, too few for a meaningful average. The Alameda County average was $1,152.

Flood insurance data

Too few NFIP policies here to show reliable averages. FEMA's Flood Map Service Center shows the flood zone for any address.

Claims & hazards

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

The chart shows the share of homeowners policies in ZIP 94606 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Alameda 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

  • Earthquake100 · Very High
  • Landslide100 · Relatively High
  • Inland flooding100 · Very High
  • Wildfire98 · Relatively High
  • Heat wave98 · Relatively High

Other ZIP codes in Alameda County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 40; see the county page for all.

94501 Alameda · $1,82894502 Alameda · $1,67994536 Fremont · $1,41294538 Fremont · $1,20394539 Fremont · $1,76994541 Hayward · $1,45194542 Hayward · $2,27094544 Hayward · $1,33894545 Hayward · $1,31194546 Castro Valley · $1,53694550 Livermore · $1,63394551 Livermore · $1,419

Practical next steps

Simple things homeowners in ZIP 94606 can do with this information.

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.
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.
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.