Yes it is.
I might depending on how much of the appliances and heating are gas or geothermal vs electric.
Pool or spa? A 60A spa is drawing 48A max 15 minutes. Dryer cycles the heating on/off, for 90 min max, the last ~20 minutes of which is cool down w/no heat. Avg range/oven, aside from cooking a thanksgiving turkey for 12 hours and running maybe 3 or the 4 burners for an hour, is going to cycle usually one burner/element for a ~50% duty cycle @ ~20A, 10A overall. Two 4 ton ACs , yeah, 30A, as is the car charger, tho they are unlikely imo to be on a lot at the same time (AC at day, charger at night). Tank type water heater, add another 20A of long, continuous load. OP is in CA in a temperate region; extreme heat or cold weather isn't going to be like Houston, or Buffalo.
What you listed is 185A (and ~205A with electric water heater)if they were all on simultaneously and with thermostats calling for heat; I'd say spikes might run 3/4th that, and avg use would be 1/2 (100A, still with everything on). I havent included any 120V loads that could be heavy and concurrent, like a coffee pot, microwave, toaster, dishwasher, washing machine and a hair dryer/curling iron (or disposal or vacuum) all on in the morning.
Then again, a single large on-demand electric water heater alone might eat 150 of those 200A. I wouldn't have one that big as it would require a 320/400A service, and if the HO wants a generator, he's looking at an additional 36kw on top of what would be standard (24kw) for a house that size. or no hot water when the power goes out.
200A for 5,000 sq ft will be plenty for 95% of the people 95% of the time (as will a 20-24kW generator), however 400A or maybe even 600A could be needed for all electric heat, on demand water heaters, the aforementioned loads, well pump, grinder pump, large shop air compressor, a 2nd EV charger, laundry, or kitchen, etc.
Two word answer for Matt: load calculation. and a two word question: flat roof?
