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🏠 Florin Home Insurance

Protect Your $398,200 Home from Florin’s Biggest Risks

25%
In Flood Zones
28%
Theft Above Avg
25%
In Flood Zones
28%
Theft Above Avg
22 mi
From Fault
35%
Have Flood Coverage
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⚠️ ATTENTION FLORIN HOMEOWNERS: Florin has 28% higher theft rate than regional average – secure your $398K home!

Major Insurance Risks in Florin

Lock Theft & Burglary Risk

HIGH RISK

High urban density and retail corridors increase residential burglary and vehicle theft.

Warning Urban Theft Hotspot Increase personal property limits; add identity theft and scheduled items.
28%
Above Regional Avg
$4,800
Avg Theft Claim
42%
Have Security Systems

Highest Risk Areas:

Florin Rd Elder Creek Power Inn Apartments Commercial Zones

Lock Down Your Home

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

Get Theft Coverage Quote

Flood Flood Risk

HIGH RISK

25% in FEMA zones along Elder Creek and urban drainage; poor stormwater infrastructure.

Warning Urban Creek Flood HO excludes flood. NFIP required in zones.
$55M
Annual Potential
25%
FEMA Zones
$500-$2,100
Premium
35%
Have Coverage

Highest Risk Areas:

Elder Creek Florin Creek South Florin Power Inn Lowlands

Stay Above Water

Claims $48K+. Coverage from $500/yr.

Get Flood Quote

House Older Home Risk

HIGH RISK

Many pre-1980 homes; outdated wiring, plumbing, and knob-and-tube increase claims.

Warning Aging Infrastructure Add actual cash value or extended replacement for older systems.
58%
Pre-1980 Homes
$18,000
Avg Plumbing Claim
38%
Have Updated Coverage

Highest Risk Areas:

Central Florin Vintage Park Older Subdivisions

Modernize Your Policy

Add $200-$800 for older home endorsements.

Get Older Home Quote

Money Underinsurance Risk

MEDIUM RISK

Construction $275+/sq ft; older rebuild.

Money Bag Rebuild Gap $90K+ shortfall.
$275+
per Sq Ft
24%
Cost Rise
$90K+
Gap

Update Limits

Protect $398K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

22 miles from faults; low shaking.

Earthquake Low Seismic EQ optional.
$12M
Damage
20%
30-yr Prob
$300-$1,200
Premium

Low-Cost EQ

Add for $300/yr.

Get EQ Quote

Florin by the Numbers

$398K
Median Home
$1,080
Premium
52,000
Population
54.1%
Ownership

Why Florin Needs Specialized Insurance

About Florin

Location

Sacramento County
Sacramento Valley

Founded

1870 – Agricultural Community
Florin Rd Corridor

Population

52,000 residents in 14,857 households

Income

Median: $58,200 | Average: $78,200

Neighboring Cities

Sacramento
Elk Grove
Vineyard
Rosemont
La Riviera

Service Area

ZIP Codes: 95828
Area Codes: 916, 279

Geographic Insights

Elevation

33

Fault Distance

22 miles to Foothill Fault

Flood Zone Percentage

25%

Wildfire Hazard

Low (urban)

Emergency Services

Police

Sacramento Sheriff

Response: 5.8 min

Fire

Sacramento Fire

Response: 5.2 min

EMS

Sacramento EMS

Response: 6.5 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 99 Florin Rd Elder Creek Rd Power Inn Rd

Frequently Asked Questions

Is flood insurance required in Florin?

Yes in 25% FEMA zones along Elder Creek.

How much is insurance?

$1,080 avg. Add $500-$2,100 flood, $300-$1,200 theft.

Older home coverage?

Add actual cash value or extended replacement.

Theft?

28% above avg – add security discounts.

Highest flood?

Elder Creek, South Florin, Power Inn.

Data Sources

Protect Your Florin Home Today

Get comprehensive insurance coverage that actually protects your $398,200 home.

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