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🏠 Chico Home Insurance

Protect Your $428,500 Home from Chico’s Biggest Risks

18%
In Flood Zones
40%
High Wildfire Risk
18%
In Flood Zones
40%
High Wildfire Risk
25 mi
From Fault
15%
Have EQ Coverage
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⚠️ ATTENTION CHICO HOMEOWNERS: Only 15% of Chico homeowners have earthquake coverage despite recent seismic activity and extreme wildfire risk post-Camp Fire!

Major Insurance Risks in Chico

🔥 Wildfire Risk

HIGH RISK

40% of Chico in very high wildfire zones after Camp Fire; dry fuels and wind.

⚠️ Post-Camp Fire Threat Standard policies may exclude full debris removal. Add endorsements.
$120M
Annual Potential
40%
High Hazard
75%
30-yr Prob
Only 18%
Full Coverage

Highest Risk Areas:

East Chico Cohasset Forest Ranch Upper Bidwell Lindo Channel

Don’t Repeat 2018

Rebuild costs $300K+. Secure now.

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🌊 Flood Risk

MEDIUM RISK

18% in FEMA zones along Sacramento River and Lindo Channel.

🌊 River Flooding HO excludes flood. NFIP required in zones.
$40M
Annual Potential
18%
FEMA Zones
$600-$2,500
Premium
32%
Have Coverage

Highest Risk Areas:

Lindo Channel Little Chico Creek Sacramento River Downtown Lowlands

Stay Dry

Claims average $50K. Coverage from $600/yr.

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💰 Underinsurance Risk

HIGH RISK

Construction $290+/sq ft; post-fire rebuilds exceed limits.

💸 Rebuild Gap $150K+ shortfall common.
$290+
per Sq Ft
35%
Cost Rise
$150K+
Gap
45%
Adequate

Update Limits

Protect your $429K home.

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⚡ Earthquake Risk

LOW RISK

25 miles from faults; low shaking but liquefaction near river.

⚡ Liquefaction Risk Separate EQ policy advised.
$15M
Damage
20%
30-yr Prob
$400-$1,800
Premium
15%
Coverage

Highest Risk Areas:

River Areas Lowlands

Brace for Quakes

Repairs $90K+. Get coverage.

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Chico by the Numbers

$429K
Median Home
$1,250
Premium
103,000
Population
42.3%
Ownership

Why Chico Needs Specialized Insurance

About Chico

Location

Butte County
Sacramento Valley

Founded

1860 – California State Normal School
Bidwell Park

Population

103,000 residents in 29,429 households

Income

Median: $59,800 | Average: $87,200

Neighboring Cities

Paradise
Oroville
Durham
Magalia
Corning

Service Area

ZIP Codes: 95926, 95928, 95973
Area Codes: 530

Geographic Insights

Elevation

197

Fault Distance

25 miles to Cleveland Hills

Flood Zone Percentage

18%

Wildfire Hazard

Very High (post-Camp Fire)

Emergency Services

Police

Chico Police

Response: 5.0 min

Fire

Chico Fire

Response: 4.5 min

EMS

Butte County EMS

Response: 6.8 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 99 North Hwy 32 East Skyway Clark Rd

Frequently Asked Questions

Is wildfire insurance required in Chico?

Not required but essential in 40% high-risk zones. Standard policies may limit debris removal.

How much is home insurance in Chico?

$1,250 avg. Add $800-$3,000 wildfire, $600-$2,500 flood.

Flood risk in Chico?

18% in FEMA zones. NFIP required in high-risk areas.

Earthquake coverage?

Not required but wise near river for liquefaction.

Highest wildfire areas?

East Chico, Cohasset, Forest Ranch, Upper Bidwell Park.

Data Sources

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