27 California ZIP Codes Now Require Insurance — Is Your Property Affected?

FEMA has updated flood maps for several California counties, including Alameda, triggering a 90-day appeal period from March 29 to June 28, 2025. As a result, 27 new ZIP codes have been added to mandatory flood insurance zones, significantly affecting homeowners in San Mateo, Marin, and eastern Contra Costa counties.

What does this mean for you?

1. If your property now falls within a designated flood zone, your mortgage lender may require you to secure flood insurance immediately.

2. Homes lacking proper flood coverage could face loan delays or restrictions.

3. Annual flood insurance premiums can cost homeowners between $870 to $1,200.

What are your options?

1. Some private or government insurers offer 15–30% savings depending on your location and risk profile.

2. It is important to contact your insurance provider to understand how these changes may impact your coverage and costs.

What action can you take?

1. Check the new FEMA flood maps.

2. Review your current insurance policy

3. If you are in the transaction or in the process of buying or selling your home. Please do not wait until the last minute. Do all your due diligence ahead of time.  Consult your lender and insurance advisor to avoid unexpected complications, expenses, or unnecessary delays.