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Homeowners, Flood, Wildfire & Earthquake Insurance in Sac County

Estimated premiums for all four major property insurance types, plus FEMA flood zone breakdowns for Sac County.

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Base Homeowners
$874/ year
See breakdown
Flood Policy
$296/ year
See breakdown
Wildfire Supplement
$1/ year
See breakdown
Earthquake Supplement
$2/ year
See breakdown
ℹ️

About These Estimates

These figures are estimates only, derived from publicly available data sources for Sac County and its constituent census tracts, and are not insurance quotes. Actual premiums depend on your specific property, coverage selections, insurer, claims history, and underwriting decisions. Always obtain quotes from a licensed insurance agent before making coverage decisions.

Homeowners Insurance & Risk

Estimates are annualized and based on the median home value of $165,691 in Sac County. Actual premiums will vary based on individual risk factors.

Homeowners (HO-3)
$874
/ year
≈ $73 / month
Calculated at $2.72 per $1,000 of home value + $423 base fee.
Nation: 56th PercentileState: 68th Percentile

Standard HO-3 policies typically exclude damage from earthquakes and may have restrictions regarding wildfires. Supplemental policies may be required.

Earthquake Supplement
$2
/ year
≈ $0 / month
Calculated at $0.01 per $1k value.
Nation: 12th PercentileState: 38th Percentile
Wildfire Supplement
$1
/ year
≈ $0 / month
Calculated at $0.00 per $1k value.
Nation: 30th PercentileState: 23th Percentile

Flood Risk & FEMA Zones

Layers:📍 County Boundary
📍 Sac County · FEMA Flood Zones · tiles.saferate.com© OpenStreetMap contributors

Flood Insurance Estimate

Estimated premiums under FEMA's NFIP Risk Rating 2.0 vary by property-specific flood exposure, elevation certificate, and coverage level.

Annual Premium
$296
/ year
≈ $25 / month
Calculated at $1.79 per $1,000 of home value.
Nation: 26th PercentileState: 34th Percentile

Frequently Asked Questions

How much is homeowners insurance in Sac County, IA?

The estimated annual homeowners insurance premium for a median-priced home ($165,691) in Sac County, IA is approximately $874/year ($73/month). This estimate is based on local HO-3 policy rates from Safe Rate's geographic insurance dataset.

Is flood insurance required in Sac County, IA?

Most of Sac County, IA falls outside FEMA's Special Flood Hazard Area. While flood insurance is not federally mandated for most properties here, it is available and often recommended for comprehensive coverage.

What FEMA flood zone is Sac County, IA in?

Detailed FEMA flood zone data for Sac County, IA is available on Safe Rate's insurance and flood risk page.

How much is flood insurance in Sac County, IA?

The estimated annual NFIP flood insurance premium for a median-priced home in Sac County, IA is approximately $296/year. Actual premiums under FEMA's Risk Rating 2.0 vary by property-specific flood exposure, elevation certificate, and coverage level.

Do I need earthquake insurance in Sac County, IA?

Standard homeowners insurance does not cover earthquake damage. For a median-priced home in Sac County, IA, an earthquake insurance supplement is estimated to cost approximately $2/year. The exact premium depends on the property's age, construction type, and soil conditions.

How much is wildfire insurance in Sac County, IA?

The estimated annual wildfire insurance supplement for a median-priced home in Sac County, IA is approximately $1/year. While basic fire damage is covered by standard HO-3 policies, homes in high-risk wildfire zones often require specialized or supplemental coverage (like the FAIR Plan) due to increased risk.

What is the flood risk in Sac County, IA?

Flood risk data and FEMA flood zone maps for Sac County, IA are available on Safe Rate to help you understand your property's exposure to flooding.