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🏠 Elk Grove Home Insurance

Protect Your $682,400 Home from Elk Grove’s Biggest Risks

25%
In Flood Zones
12%
In Wildfire Interface
25%
In Flood Zones
12%
In Wildfire Interface
20 mi
From Major Fault
40%
Have Flood Coverage
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⚠️ ATTENTION ELK GROVE HOMEOWNERS: 25% of Elk Grove is in FEMA flood zones – only 40% carry flood insurance despite Cosumnes River and urban drainage risks!

Major Insurance Risks in Elk Grove

Flood Flood Risk

HIGH RISK

25% in FEMA zones along Cosumnes River, Laguna Creek, and urban stormwater channels; winter storms and levee overflow.

Warning River & Urban Flood Homeowners insurance excludes flood. NFIP mandatory in high-risk zones.
$85M
Annual Flood Potential
25%
In FEMA Flood Zones
45%
Flood Probability (30 yrs)
$500-$2,200
Annual Premium

Highest Risk Areas:

Laguna West Lakeside Franklin Sheldon Rd Cosumnes River Corridor

Stay Above Water

Average claim $55,000. Coverage starts at $500/year.

Get Flood Insurance Quote

Lock Theft & Burglary Risk

HIGH RISK

High suburban density and retail corridors increase residential burglary and package theft.

Warning Suburban Theft Hotspot Increase personal property limits; add identity theft and scheduled jewelry coverage.
18%
Above Regional Avg
$4,200
Avg Theft Claim
55%
Have Security Systems

Highest Risk Areas:

Laguna Franklin East Elk Grove Near Big Box Retail New Subdivisions

Secure Your Valuables

Add $300-$1,200 for enhanced theft protection.

Get Theft Coverage Quote

Fire Wildfire Risk

MEDIUM RISK

12% in urban-wildland interface near open fields and Cosumnes River; dry grasses and wind.

Warning Interface Ember Risk Standard policies cover fire but may limit smoke/debris. Add endorsements.
$35M
Annual Wildfire Potential
12%
In Interface Zones
40%
Fire Probability (30 yrs)
Only 28%
Have Full Coverage

Highest Risk Areas:

East Elk Grove Sheldon Rural South Near River Open Fields

Defend Against Embers

Cleanup $70K+. Secure now.

Get Wildfire Coverage Quote

Money Underinsurance Risk

HIGH RISK

Construction costs $300+/sq ft; rapid growth creates $120K-$300K gaps.

Money Bag Rebuild Shortfall Post-disaster costs exceed policy by $120K+.
$300+
Cost per Sq Ft
28%
Cost Increase Since 2020
$120K-$300K
Typical Gap
50%
Have Adequate Limits

Verify Your Coverage

Protect your $682K home fully.

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Earthquake Earthquake Risk

LOW RISK

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

Earthquake Liquefaction Zone EQ optional but low-cost.
$18M
Annual Damage
25%
30-yr Prob
$350-$1,500
Premium
22%
Have Coverage

Highest Risk Areas:

River Areas Lowlands Laguna Creek

Low-Cost EQ

Add for $350/yr.

Get Earthquake Quote

Elk Grove by the Numbers

$682K
Median Home Value
$1,150
Average Premium
179,000
Population
74.2%
Homeownership Rate

Why Elk Grove Needs Specialized Insurance

About Elk Grove

Location

Sacramento County
Sacramento Valley

Founded

1850 – Agricultural Settlement
Laguna Creek Watershed

Population

179,000 residents in 51,143 households

Income

Median: $118,900 | Average: $148,200

Neighboring Cities

Sacramento
Galt
Lodi
Wilton
Vineyard

Service Area

ZIP Codes: 95624, 95757, 95758, 95759
Area Codes: 916, 279

Geographic Insights

Elevation

46

Fault Distance

20 miles to Foothill Fault System

Flood Zone Percentage

25%

Wildfire Hazard

Moderate (urban-interface)

Emergency Services

Police

Elk Grove PD

Response: 4.9 min

Fire

Cosumnes CSD Fire

Response: 4.6 min

EMS

Sacramento EMS

Response: 6.0 min

ISO Rating

ISO 2

Nearby Hospitals

Emergency Evacuation Routes

Hwy 99 I-5 Elk Grove Blvd Laguna Blvd

Frequently Asked Questions

Is flood insurance required in Elk Grove?

Yes in 25% FEMA zones. Recommended for all near Cosumnes River and creeks.

How much is home insurance?

$1,150 avg. Add $500-$2,200 flood, $300-$1,200 theft.

Theft coverage?

Increase personal property; add identity theft protection.

Wildfire risk?

12% in interface – add endorsements.

Highest flood areas?

Laguna West, Lakeside, Franklin, Cosumnes River.

Data Sources

Protect Your Elk Grove Home Today

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