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🏠 El Dorado Hills Home Insurance

Protect Your $892,300 Home from El Dorado Hills’s Biggest Risks

10 mi
From Bear Mtn Fault
40%
In High Wildfire Zones
10 mi
From Bear Mtn Fault
40%
In High Wildfire Zones
5%
In Flood Zones
30%
Have Earthquake Insurance
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⚠️ ATTENTION EL DORADO HILLS HOMEOWNERS: Only 30% of El Dorado Hills homeowners have earthquake insurance despite 10 miles from active faults and 40% in very high wildfire zones!

Major Insurance Risks in El Dorado Hills

Fire Wildfire Risk

HIGH RISK

40% of properties in very high wildfire hazard zones with oak woodlands, steep slopes, and strong winds.

Warning Luxury Foothill Fire Threat Standard policies may not cover full debris removal or landscaping. Add comprehensive wildfire endorsements.
$120M
Annual Wildfire Potential
40%
In High Hazard Zones
72%
Fire Probability (30 yrs)
Only 25%
Have Full Coverage

Highest Risk Areas:

Serrano The Promontory Four Seasons Sterlingshire Highland Hills

Protect Your Dream Home

Wildfire damage to a $892K home could exceed $250K in cleanup. Get protected.

Get Wildfire Coverage Quote

Earthquake Earthquake Risk

HIGH RISK

10 miles from Bear Mountain Fault; high shaking potential and slope failure in hilly areas.

Earthquake Foothill Seismic Hazard Standard policies exclude earthquake. Separate CEA coverage essential for luxury homes.
$65M
Potential Annual Damage
48%
Shaking Probability (30 yrs)
$800-$3,000
Annual Premium
30%
Have Coverage

Highest Risk Areas:

Hillside Estates Serrano Slopes The Summit Near Fault Trace Custom Homes

Secure Against Quakes

Structural repairs could top $300K. Protect your investment.

Get Earthquake Insurance Quote

Swimming Pool Pool & Liability Risk

MEDIUM RISK

High prevalence of private pools; increased liability and accidental drowning risk.

Warning Pool Liability Increase liability limits to $500K+ and add umbrella policy for luxury properties.
35%
Homes with Pools
$750K
Avg Liability Claim
62%
Have Umbrella Policy

Highest Risk Areas:

Serrano The Promontory Four Seasons Gated Communities

Cover Your Pool Risks

Add umbrella for $1M+ protection starting at $300/year.

Get Umbrella Quote

Money Underinsurance Risk

HIGH RISK

Construction costs $350+/sq ft; luxury custom homes create $200K-$500K coverage gaps.

Money Bag Luxury Rebuild Gap Post-disaster rebuilds could exceed policy by $200K+ due to high-end finishes.
$350+
Cost per Sq Ft
32%
Cost Increase Since 2020
$200K-$500K
Typical Coverage Gap
45%
Have Adequate Limits

Verify Your Dwelling Coverage

Ensure your $892K home is fully insured for luxury rebuild.

Check My Coverage Now

Flood Flood Risk

LOW RISK

5% in FEMA zones near creeks; flash flooding in canyons during storms.

Flood Canyon Flash Flood Flood damage not covered by HO policies. NFIP required in zones.
$8M
Annual Flood Potential
5%
In FEMA Flood Zones
$400-$2,000
Annual Premium

Highest Risk Areas:

Carson Creek Green Valley Rd Canyon Areas Near Folsom Lake

Guard Against Flash Floods

Coverage starts at $400/year.

Get Flood Insurance Quote

El Dorado Hills by the Numbers

$892K
Median Home Value
$1,480
Average Premium
51,000
Population
85.1%
Homeownership Rate

Why El Dorado Hills Needs Specialized Insurance

About El Dorado Hills

Location

El Dorado County
Sierra Foothills

Founded

1960 – Master-Planned Community
Folsom Lake Access

Population

51,000 residents in 14,571 households

Income

Median: $137,800 | Average: $182,400

Neighboring Cities

Folsom
Cameron Park
Shingle Springs
Placerville
Granite Bay

Service Area

ZIP Codes: 95762
Area Codes: 916, 279

Geographic Insights

Elevation

768

Fault Distance

10 miles to Bear Mountain Fault

Flood Zone Percentage

5%

Wildfire Hazard

Very High (SRA)

Emergency Services

Police

El Dorado County Sheriff

Response: 5.8 min

Fire

El Dorado Hills Fire

Response: 4.7 min

EMS

El Dorado EMS

Response: 6.5 min

ISO Rating

ISO 2

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 Latrobe Rd Green Valley Rd Serrano Pkwy

Frequently Asked Questions

Is earthquake insurance required in El Dorado Hills?

Not legally required but strongly recommended due to 10 miles from Bear Mountain Fault. Only 30% of luxury homeowners carry it.

How much does home insurance cost in El Dorado Hills?

Average $1,480 annually. Add $800-$3,000 for earthquake and $600-$2,500 for wildfire endorsements.

Does homeowners insurance cover wildfire damage in EDH?

Covers direct fire but may exclude full debris/landscaping. With 40% in high zones, add comprehensive wildfire coverage.

Is pool liability coverage necessary?

Yes – 35% of homes have pools. Increase liability to $500K+ and consider umbrella policy.

What areas have the highest wildfire risk?

Serrano, The Promontory, Four Seasons, Sterlingshire, and Highland Hills face the highest risk due to vegetation and terrain.

Data Sources

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