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🏠 Auburn Home Insurance

Protect Your $642,400 Home from Auburn’s Biggest Risks

5 mi
From Melones Fault
25%
In High Wildfire Zones
5 mi
From Melones Fault
25%
In High Wildfire Zones
15%
In Flood Zones
20%
Have Earthquake Insurance
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⚠️ ATTENTION AUBURN HOMEOWNERS: Only 20% of Auburn homeowners have earthquake insurance despite proximity to active faults and high wildfire risk in the foothills!

Major Insurance Risks in Auburn

🔥 Wildfire Risk

HIGH RISK

Auburn's location in the Sierra foothills places 25% of properties in high wildfire hazard zones, with dry summers and strong winds increasing spread risk.

⚠️ Foothill Fire Threat Standard homeowners insurance may not fully cover wildfire debris removal or smoke damage. Add comprehensive wildfire endorsements.
$50M
Annual Wildfire Potential
25%
In High Hazard Zones
60%
Fire Probability (30 yrs)
Only 20%
Have Full Coverage

Highest Risk Areas:

Central Auburn North Auburn Gold Country Foothills Auburn Ravine Downtown Historic District

Don't Let Flames Destroy Your Home

Wildfire damage to your $642K home could cost $100,000+ in cleanup alone. Get protected now.

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💰 Underinsurance Risk

HIGH RISK

Rising construction costs ($300+/sq ft) and historic homes create a $100K-$250K coverage gap for many Auburn residents.

💸 Rebuild Shortfall Post-disaster rebuilds could exceed your policy limits by $100K-$250K due to inflation and material shortages.
$300+
Cost per Sq Ft
28%
Cost Increase Since 2020
$100K-$250K
Typical Coverage Gap
Only 50%
Have Adequate Limits

Verify Your Dwelling Coverage

Ensure your $642K home is fully insured against rising rebuild costs.

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⚡ Earthquake Risk

MEDIUM RISK

Near the Melones and Bear Mountain fault zones, Auburn faces moderate seismic activity with potential for shaking and minor liquefaction in valley areas.

⚡ Seismic Shaking Hazard Standard homeowners insurance excludes earthquake damage. Separate coverage is essential near foothill faults.
$30M
Potential Annual Damage
45%
Shaking Probability (30 yrs)
$700-$2,500
Annual Premium
Only 20%
Have Coverage

Highest Risk Areas:

Auburn Lake Trails South Auburn Ravine Areas Near American River

Secure Against the Next Quake

Foothill faults could cause $150,000+ in structural repairs. Protect your investment.

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🌊 Flood Risk

MEDIUM RISK

15% of Auburn is in FEMA flood zones along the American River and tributaries, with risks amplified by winter storms and dam releases.

🌊 River Flood Vulnerability Homeowners insurance doesn't cover flood damage. NFIP or private flood policies are required for riverine areas.
$15M
Annual Flood Potential
15%
In FEMA Flood Zones
8"
Sea/River Rise Impact by 2050
$500-$3,000
Annual Premium

Highest Risk Areas:

American River Corridor Auburn Ravine Shirland Tract Downtown Lowlands

Guard Against River Surges

Flood claims average $40,000 in foothill areas. Coverage starts at $500/year.

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Auburn by the Numbers

$642K
Median Home Value
$1,400
Average Premium
13,857
Population
60.2%
Homeownership Rate

Why Auburn Needs Specialized Insurance

About Auburn

Location

Placer County
Sierra Foothills

Founded

1848 – Gold Rush Era
Historic Downtown

Population

13,857 residents in 3,959 households

Income

Median: $77,760 | Average: $113,225

Neighboring Cities

Rocklin
Roseville
Lincoln
Colfax
Loomis

Service Area

ZIP Codes: 95602, 95603, 95604, 95658
Area Codes: 530

Geographic Insights

Elevation

1234

Fault Distance

5 miles to Melones Fault

Flood Zone Percentage

15%

Wildfire Hazard

Very High (State Responsibility Area)

Emergency Services

Police

Auburn Police Department

Response: 5.5 min

Fire

Auburn City Fire Department

Response: 4.8 min

EMS

Placer County EMS

Response: 7.0 min

ISO Rating

ISO 2/2Y

Nearby Hospitals

Emergency Evacuation Routes

Hwy 49 North I-80 East Auburn-Folsom Rd Dry Creek Rd

Frequently Asked Questions

Is earthquake insurance required in Auburn?

Earthquake insurance is not legally required in Auburn, but it's highly recommended due to proximity to the Melones Fault and moderate seismic risk. Standard homeowners insurance excludes earthquake damage.

How much does home insurance cost in Auburn?

The average home insurance premium in Auburn is approximately $1,400 annually, varying by property value and coverage. Earthquake adds $700-$2,500; flood adds $500-$3,000 based on risk.

Does homeowners insurance cover wildfire damage in Auburn?

Standard policies cover direct fire damage but may exclude debris removal or smoke. With 25% of Auburn in high wildfire zones, add endorsements for full protection.

Is flood insurance required in Auburn?

Flood insurance is required for federally backed mortgages in high-risk zones (15% of Auburn along the American River). Recommended for all due to foothill storm risks.

What areas of Auburn have the highest wildfire risk?

Central Auburn, North Auburn, Gold Country Foothills, Auburn Ravine, and the Downtown Historic District face the highest wildfire risk due to dry vegetation and wind patterns.

Data Sources

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