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🏠 Galt Home Insurance

Protect Your $498,500 Home from Galt’s Biggest Risks

30%
In Flood Zones
20%
Rural Theft Risk
30%
In Flood Zones
20%
Rural Theft Risk
25 mi
From Fault
38%
Have Flood Coverage
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⚠️ ATTENTION GALT HOMEOWNERS: 30% of Galt in FEMA flood zones – only 38% carry flood insurance despite Cosumnes River and agricultural theft risks!

Major Insurance Risks in Galt

Flood Flood Risk

HIGH RISK

30% in FEMA zones along Cosumnes River and irrigation canals; winter flooding.

Warning River & Canal Flood HO excludes flood. NFIP required.
$65M
Annual Potential
30%
FEMA Zones
$500-$2,100
Premium
38%
Have Coverage

Highest Risk Areas:

Cosumnes River Twin Cities Rd Kost Rd Rural South Canals

Stay Dry in Galt

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

Get Flood Quote

Tractor Ag Theft & Wind Risk

HIGH RISK

High rural theft of equipment; strong valley winds damage roofs and outbuildings.

Warning Farm & Wind Damage Add scheduled equipment and windstorm coverage.
25%
Above Avg Theft
$7,800
Avg Claim
45%
Have Wind Coverage

Highest Risk Areas:

Rural Galt Kost Rd Twin Cities Farms Outbuildings

Protect Farm & Roof

Add $400-$1,600 for full protection.

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Money Underinsurance Risk

MEDIUM RISK

Construction $275+/sq ft; rural rebuild.

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

Update Limits

Protect $499K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

25 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

Fire Wildfire Risk

LOW RISK

Low risk in agricultural land.

Fire Low Fire Risk Standard coverage sufficient.
$8M
Annual Potential
5%
Interface

Basic Fire OK

No special coverage needed.

Review Policy

Galt by the Numbers

$499K
Median Home
$1,080
Premium
26,000
Population
71.9%
Ownership

Why Galt Needs Specialized Insurance

About Galt

Location

Sacramento County
Sacramento Valley

Founded

1869 – Railroad Town
Galt Flea Market

Population

26,000 residents in 7,429 households

Income

Median: $83,200 | Average: $102,400

Neighboring Cities

Lodi
Elk Grove
Herald
Wilton
Thornton

Service Area

ZIP Codes: 95632
Area Codes: 209

Geographic Insights

Elevation

49

Fault Distance

25 miles to Midland Fault

Flood Zone Percentage

30%

Wildfire Hazard

Low (ag land)

Emergency Services

Police

Galt PD

Response: 5.6 min

Fire

Cosumnes CSD Fire

Response: 5.2 min

EMS

Sacramento EMS

Response: 6.8 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 99 Twin Cities Rd Kost Rd Cherokee Ln

Frequently Asked Questions

Is flood insurance required in Galt?

Yes in 30% FEMA zones along Cosumnes River.

How much is insurance?

$1,080 avg. Add $500-$2,100 flood, $400-$1,600 farm.

Wind damage?

Add windstorm for roof/outbuildings.

Theft coverage?

Schedule farm equipment.

Highest flood areas?

Cosumnes River, Twin Cities Rd, rural south.

Data Sources

Protect Your Galt Home Today

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