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Home insurance & flood costs in ZIP 95386 (Waterford, CA)

Plain facts for homeowners in Waterford: 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 95386 at a glance

Four numbers most homeowners ask about first.

$1,066
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.

0.89%
Nonrenewal rate

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

2.8%
Claim frequency

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

ZIP 95386 in numbers
$15,220
average paid claim (2022)
+18%
premium change 2018–2022, after inflation
1.12%
cancelled by insurers mid-term (2022)
6
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 95386 was $1,066 in 2022, 5% below the Stanislaus County typical ZIP ($1,121) and 31% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 18% between 2018 and 2022. About 2.8% of policies here had a paid claim in 2022, and insurers chose not to renew 0.89% of policies.

Stanislaus County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 95386StanislausU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Only 6 single-family NFIP policies took effect in ZIP 95386 in 2025, too few for a meaningful average. The Stanislaus County average was $1,072.

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 Stanislaus County

The chart shows the share of homeowners policies in ZIP 95386 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Stanislaus 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
  • Earthquake99 · Relatively High
  • Heat wave96 · Relatively Moderate
  • Inland flooding96 · Relatively High
  • Wildfire95 · Relatively Moderate

Other ZIP codes in Stanislaus County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 17; see the county page for all.

95307 Ceres · $1,11595316 Denair · $1,17095326 Hughson · $1,17295350 Modesto · $1,08695351 Modesto · $1,01395354 Modesto · $1,08595355 Modesto · $1,18895356 Modesto · $1,39395357 Modesto · $1,21595358 Modesto · $1,10295360 Newman · $1,08595361 Oakdale · $1,377

Practical next steps

Simple things homeowners in ZIP 95386 can do with this information.

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.
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.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

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.