It is important to have flood insurance. The majority of standard homeowners’ policies do not include protection against losses due to flooding.

However, the City of Oceanside is a participant in the National Flood Insurance Program, which makes it possible for Oceanside property owners to obtain federally backed flood insurance. This insurance is available for any owner of insurable property (a building or its content) within the City of Oceanside. Tenants may also insure their personal property against flood loss.

The average annual insurance premium for a $250,000 building in an A99 zone is $1,200. The actual cost will vary depending upon the amount of coverage and the degree of the flood hazard. We urge persons who live or own property near or in the Special Flood Hazard Areas (SFHAs) to protect themselves from losses due to flooding. Flood insurance is mandatory in certain instances, such as purchase of a home with a federally backed mortgage. If your property is not in a flood zone, you can take advantage of a low-cost Preferred Risk policy to protect your investment.

Flood insurance is available for most coastal homes and businesses as long as the community participates in the National Flood Insurance Program (NFIP).