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🏠 Angels Camp Home Insurance

Protect Your $498,200 Home from Angels Camp’s Biggest Risks

8 mi
From Melones Fault
40%
In High Wildfire Zones
8 mi
From Melones Fault
40%
In High Wildfire Zones
10%
In Flood Zones
18%
Have EQ Coverage
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⚠️ ATTENTION ANGELS CAMP HOMEOWNERS: 40% of Angels Camp in high wildfire zones – Gold Rush homes need historic rebuild coverage!

Major Insurance Risks in Angels Camp

🔥 Wildfire Risk

HIGH RISK

40% in high hazard zones with dense oak and pine.

⚠️ Gold Country Fire Add comprehensive wildfire endorsements.
$45M
Annual Potential
40%
High Hazard
68%
30-yr Prob

Highest Risk Areas:

Murphys Grade Angels Oaks Greenhorn Creek Historic District

Defend Your Gold Rush Home

Cleanup $90K+. Get protected.

Get Wildfire Quote

⚡ Earthquake Risk

MEDIUM RISK

8 miles from Melones Fault.

⚡ Seismic Shaking Separate EQ coverage.
$28M
Damage
$700-$2,500
Premium
18%
Coverage

Highest Risk Areas:

Downtown Vallecito Rd Historic Brick Buildings

Quake-Proof Your Cabin

Add for $700/yr.

Get EQ Quote

🏛️ Historic Rebuild Risk

HIGH RISK

Gold Rush-era homes require ordinance coverage.

💸 Rebuild Shortfall Add ordinance or law.
45%
Pre-1960
$350+
per Sq Ft

Highest Risk Areas:

Main St Historic Core Old Town

Preserve History

Add $500-$2,000 for historic rebuild.

Get Historic Quote

💰 Underinsurance Risk

HIGH RISK

Construction $350+/sq ft in remote area.

💸 Rebuild Gap $130K+ shortfall.
$350+
per Sq Ft

Update Limits

Protect $498K home.

Check Coverage

🌊 Flood Risk

LOW RISK

10% near Angels Creek.

🌊 Creek Flood NFIP in zones.
$10M
Potential

Flood Option

Coverage from $500/yr.

Get Flood Quote

Angels Camp by the Numbers

$498K
Median Home
$1,280
Premium
~10K
Metro Pop
68.9%
Ownership

Why Angels Camp Needs Specialized Insurance

About Angels Camp

Location

Calaveras County
Gold Country

Founded

1848 – Gold Rush
Jumping Frog Jubilee

Population

3,900 residents in 1,114 households

Income

Median: $58,200 | Average: $81,200

Neighboring Cities

Sonora
Murphys
San Andreas
Vallecito
Copperopolis

Service Area

ZIP Codes: 95222
Area Codes: 209

Geographic Insights

Elevation

1379

Fault Distance

8 miles to Melones Fault

Flood Zone Percentage

10%

Wildfire Hazard

Very High

Emergency Services

Police

Angels Camp PD

Response: 6.2 min

Fire

Calaveras Fire

Response: 6.5 min

EMS

Calaveras EMS

Response: 8.0 min

ISO Rating

ISO 4

Nearby Hospitals

Emergency Evacuation Routes

Hwy 49 Hwy 4 Murphys Grade Rd Vallecito Rd

Frequently Asked Questions

Do historic homes in Angels Camp need special insurance?

Yes – add ordinance or law coverage for Gold Rush-era rebuild.

How much is insurance?

$1,280 avg. Add $600-$2,500 wildfire, $700-$2,500 EQ.

Wildfire risk?

40% in high hazard zones.

Earthquake?

8 miles from Melones Fault.

Highest risk?

Historic District, Murphys Grade, Greenhorn Creek.

Data Sources

Protect Your Angels Camp Home Today

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