Gold River skyline

🏠 Gold River Home Insurance

Protect Your $698,200 Home from Gold River’s Biggest Risks

20%
In Flood Zones
25 mi
From Fault
20%
In Flood Zones
25 mi
From Fault
70%
Have Security
90%
Homes <40 yrs
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⚠️ ATTENTION GOLD RIVER HOMEOWNERS: 20% of Gold River in American River flood zones – affluent homes at risk of underinsurance!

Major Insurance Risks in Gold River

🌊 Flood Risk

HIGH RISK

20% in zones along American River.

⚠️ River Flood NFIP required in zones.
$45M
Annual Potential
20%
FEMA Zones
$600-$2,500
Premium

Highest Risk Areas:

Riverwood American River Pkwy Gold Country Blvd Lowlands

Guard Against River Surge

Claims $60K+. Coverage from $600/yr.

Get Flood Quote

πŸ’° Underinsurance Risk

HIGH RISK

Construction $380+/sq ft; appreciation 40%.

πŸ’Έ Rebuild Gap $180K+ shortfall.
$380+
per Sq Ft
40%
Value Rise

Update Limits

Protect $698K home.

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πŸ”’ Theft Risk

MEDIUM RISK

Affluent area attracts package and garage theft.

⚠️ Suburban Theft Increase personal property.
18%
Above Avg
70%
Have Security

Highest Risk Areas:

Gold Country Empowerment New Subdivisions

Secure Your Home

Add $300-$1,200 for theft.

Get Theft Quote

⚑ Earthquake Risk

LOW RISK

25 miles from faults.

⚑ Low Seismic EQ optional.
$15M
Damage

Low-Cost EQ

Add for $400/yr.

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πŸ”₯ Wildfire Risk

LOW RISK

Low wildfire risk.

πŸ”₯ Low Fire Standard coverage.
$6M
Potential

Basic Fire

Included in HO.

Review Policy

Gold River by the Numbers

$698K
Median Home
$1,180
Premium
~10K
Population
78.9%
Ownership

Why Gold River Needs Specialized Insurance

About Gold River

Location

Sacramento County
Sacramento Metro

Founded

1985 – Master-Planned
American River

Population

8,000 residents in 2,286 households

Income

Median: $118,200 | Average: $158,300

Neighboring Cities

Rancho Cordova
Fair Oaks
Orangevale
Carmichael
Folsom

Service Area

ZIP Codes: 95670
Area Codes: 916, 279

Geographic Insights

Elevation

121

Fault Distance

25 miles to Foothill Fault

Flood Zone Percentage

20%

Wildfire Hazard

Low

Emergency Services

Police

Sacramento Sheriff

Response: 5.5 min

Fire

Sacramento Metro Fire

Response: 5.0 min

EMS

Sacramento EMS

Response: 6.5 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 Hazel Ave Gold Country Blvd Sunrise Blvd

Frequently Asked Questions

Is flood insurance required in Gold River?

Yes in 20% FEMA zones along American River.

How much is insurance?

$1,180 avg. Add $600-$2,500 flood, $300-$1,200 theft.

Underinsurance?

$180K+ gap due to $380+/sq ft.

Theft?

18% above avg in affluent areas.

Highest flood risk?

Riverwood, American River Pkwy, lowlands.

Data Sources

Protect Your Gold River Home Today

Get comprehensive insurance coverage that actually protects your $698,200 home.

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