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Fair Oaks skyline

🏠 Fair Oaks Home Insurance

Protect Your $698,700 Home from Fair Oaks’s Biggest Risks

20%
In Flood Zones
15%
In Wildfire Interface
20%
In Flood Zones
15%
In Wildfire Interface
16 mi
From Fault
42%
Have Flood Coverage
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⚠️ ATTENTION FAIR OAKS HOMEOWNERS: 20% of Fair Oaks in FEMA flood zones – only 42% carry flood insurance despite American River and mature oak tree risks!

Major Insurance Risks in Fair Oaks

Flood Flood Risk

HIGH RISK

20% in FEMA zones along American River and bluffs; winter storms and levee issues.

Warning River Bluff Flooding HO excludes flood. NFIP required in zones.
$55M
Annual Potential
20%
FEMA Zones
$550-$2,300
Premium
42%
Have Coverage

Highest Risk Areas:

American River Pkwy Sailor Bar Bluff Areas Phoenix Park Lower Fair Oaks

Stay Dry on the Bluffs

Claims $50K+. Coverage from $550/yr.

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Tree Tree Damage Risk

HIGH RISK

Mature valley oaks (100+ years); high risk of limb failure and root damage to homes.

Warning Oak Tree Liability Standard policies limit tree removal. Add extended coverage for debris and damage.
65%
Homes Near Mature Oaks
$12,000
Avg Tree Claim
38%
Have Tree Coverage

Highest Risk Areas:

Old Fair Oaks Phoenix Field Madison Ave Residential Bluffs

Protect Against Falling Limbs

Add $400-$1,500 for full tree coverage.

Get Tree Coverage Quote

Fire Wildfire Risk

MEDIUM RISK

15% in urban-wildland interface along bluffs and river; dry vegetation and wind.

Warning Bluff Interface Fire Add endorsements for smoke/debris.
$28M
Annual Potential
15%
Interface
42%
30-yr Prob
30%
Full Coverage

Highest Risk Areas:

River Bluffs Sailor Bar Phoenix Park East Fair Oaks

Defend Your View

Cleanup $65K+. Get protected.

Get Wildfire Quote

Money Underinsurance Risk

HIGH RISK

Construction $310+/sq ft; older and custom homes.

Money Bag Rebuild Gap $130K+ shortfall.
$310+
per Sq Ft
29%
Cost Rise
$130K+
Gap

Update Limits

Protect $699K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

16 miles from faults; low shaking.

Earthquake Low Seismic EQ optional.
$15M
Damage
22%
30-yr Prob
$350-$1,300
Premium

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Fair Oaks by the Numbers

$699K
Median Home
$1,180
Premium
32,000
Population
67.3%
Ownership

Why Fair Oaks Needs Specialized Insurance

About Fair Oaks

Location

Sacramento County
Sacramento Valley

Founded

1895 – Suburban Growth
American River Bluffs

Population

32,000 residents in 9,143 households

Income

Median: $102,300 | Average: $138,900

Neighboring Cities

Carmichael
Orangevale
Citrus Heights
Gold River
Rancho Cordova

Service Area

ZIP Codes: 95628
Area Codes: 916, 279

Geographic Insights

Elevation

174

Fault Distance

16 miles to Foothill Fault

Flood Zone Percentage

20%

Wildfire Hazard

Moderate (bluff interface)

Emergency Services

Police

Sacramento Sheriff

Response: 5.4 min

Fire

Sacramento Metro Fire

Response: 4.8 min

EMS

Sacramento EMS

Response: 6.1 min

ISO Rating

ISO 2

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 Madison Ave Fair Oaks Blvd Hazel Ave

Frequently Asked Questions

Does insurance cover tree damage in Fair Oaks?

Limited. Add extended replacement for debris removal and structural damage.

How much is insurance?

$1,180 avg. Add $550-$2,300 flood, $400-$1,500 tree.

Flood risk?

20% in FEMA zones along river.

Wildfire?

15% in bluff interface.

Highest tree risk?

Old Fair Oaks, Phoenix Field, bluff homes.

Data Sources

Protect Your Fair Oaks Home Today

Get comprehensive insurance coverage that actually protects your $698,700 home.

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