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🏠 Granite Bay Home Insurance

Protect Your $1,098,200 Home from Granite Bay’s Biggest Risks

8 mi
From Bear Mtn Fault
45%
In High Wildfire Zones
8 mi
From Bear Mtn Fault
45%
In High Wildfire Zones
3%
In Flood Zones
32%
Have EQ Coverage
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⚠️ ATTENTION GRANITE BAY HOMEOWNERS: Only 32% of Granite Bay homeowners have earthquake insurance despite 8 miles from active fault and 45% in very high wildfire zones!

Major Insurance Risks in Granite Bay

Fire Wildfire Risk

HIGH RISK

45% in very high wildfire hazard zones with dense oak and pine, steep slopes, and wind.

Warning Luxury Foothill Fire Standard policies may not cover full rebuild or landscaping. Add guaranteed replacement cost.
$180M
Annual Wildfire Potential
45%
In High Hazard Zones
78%
Fire Probability (30 yrs)
Only 20%
Have Full Coverage

Highest Risk Areas:

Cavitt Stallman Los Lagos Wexford Treelake Shelly Ranch

Shield Your $1.1M Home

Rebuild could exceed $400K/sq ft. Get protected.

Get Wildfire Coverage Quote

Earthquake Earthquake Risk

HIGH RISK

8 miles from Bear Mountain Fault; high shaking and slope instability in granite terrain.

Earthquake Seismic Luxury Risk Separate high-limit CEA or private EQ coverage essential.
$85M
Potential Annual Damage
52%
Shaking Probability (30 yrs)
$900-$3,500
Annual Premium
32%
Have Coverage

Highest Risk Areas:

Hillside Estates Los Lagos Custom Homes Near Fault Trace

Quake-Proof Your Investment

Repairs could top $500K. Protect your $1.1M home.

Get Earthquake Insurance Quote

Diamond High-Value Contents Risk

HIGH RISK

Luxury homes with art, jewelry, wine collections; standard limits insufficient.

Warning Luxury Asset Gap Increase personal property to $500K+; add scheduled items and high-value home policy.
$750K
Avg Contents Value
$1.2M
Avg Claim
68%
Have High-Value Policy

Highest Risk Areas:

All luxury communities

Protect Your Valuables

Schedule jewelry, art, wine. Add $1M+ coverage.

Get High-Value Quote

Money Underinsurance Risk

HIGH RISK

Construction $400+/sq ft; custom luxury homes create $300K-$800K gaps.

Money Bag Luxury Rebuild Gap Post-disaster costs could exceed policy by $500K+.
$400+
Cost per Sq Ft
35%
Cost Increase Since 2020
$300K-$800K
Typical Coverage Gap
42%
Have Guaranteed Replacement

Verify Your Dwelling Coverage

Ensure full $1.1M+ rebuild with guaranteed replacement cost.

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Flood Flood Risk

LOW RISK

3% in FEMA zones near creeks; flash flooding possible.

Flood Creek Flash Flood NFIP in zones; optional elsewhere.
$5M
Annual Potential
3%
In FEMA Zones
$400-$1,800
Annual Premium

Highest Risk Areas:

Miners Ravine Secret Ravine Creek Areas

Low-Cost Flood Option

Coverage from $400/year.

Get Flood Insurance Quote

Granite Bay by the Numbers

$1.1M
Median Home Value
$1,580
Average Premium
24,000
Population
89.7%
Homeownership Rate

Why Granite Bay Needs Specialized Insurance

About Granite Bay

Location

Placer County
Sierra Foothills

Founded

1987 – Planned Community
Folsom Lake Views

Population

24,000 residents in 6,857 households

Income

Median: $162,300 | Average: $218,900

Neighboring Cities

Roseville
Loomis
Rocklin
Folsom
Lincoln

Service Area

ZIP Codes: 95746
Area Codes: 916, 279

Geographic Insights

Elevation

492

Fault Distance

8 miles to Bear Mountain Fault

Flood Zone Percentage

3%

Wildfire Hazard

Very High (SRA)

Emergency Services

Police

Placer Sheriff

Response: 5.5 min

Fire

South Placer Fire

Response: 4.5 min

EMS

Placer EMS

Response: 6.2 min

ISO Rating

ISO 2

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 Douglas Blvd Sierra College Blvd Cavitt Stallman Rd

Frequently Asked Questions

Is earthquake insurance required in Granite Bay?

Not required but critical 8 miles from fault. Only 32% of luxury homeowners carry it.

How much does home insurance cost?

$1,580 avg. Add $900-$3,500 EQ, $700-$3,000 wildfire.

High-value home coverage?

Standard limits insufficient. Use Chubb/Pure with scheduled items.

Wildfire risk?

45% in very high zones – guaranteed replacement cost essential.

Highest risk areas?

Cavitt Stallman, Los Lagos, Wexford, Treelake, Shelly Ranch.

Data Sources

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