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🏠 Ione Home Insurance

Protect Your $428,700 Home from Ione’s Biggest Risks

15 mi
From Fault
30%
In High Wildfire Zones
15 mi
From Fault
30%
In High Wildfire Zones
12%
In Flood Zones
25%
Have EQ Coverage
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⚠️ ATTENTION IONE HOMEOWNERS: 30% of Ione in high wildfire zones – historic wood-frame homes highly vulnerable!

Major Insurance Risks in Ione

Fire Wildfire Risk

HIGH RISK

30% in high wildfire zones with oak woodlands and dry grasses.

Warning Historic Fire Threat Add comprehensive coverage for debris and smoke.
$35M
Annual Potential
30%
High Hazard
62%
30-yr Prob
22%
Full Coverage

Highest Risk Areas:

North Ione East Side Near Mule Creek Historic District

Save Your History

Cleanup $80K+. Get protected.

Get Wildfire Quote

Castle Historic Home Risk

HIGH RISK

Victorian and Gold Rush-era homes; high replacement cost and code upgrades.

Warning Code Upgrade Gap Add ordinance or law coverage for post-fire rebuild to code.
45%
Pre-1960 Homes
$85K
Avg Upgrade Cost
38%
Have Ordinance Coverage

Highest Risk Areas:

Historic Downtown Preston Ave Church St

Preserve Your Heritage

Add $50K+ ordinance coverage.

Get Historic Quote

Earthquake Earthquake Risk

MEDIUM RISK

15 miles from faults; moderate shaking.

Earthquake Seismic Risk Separate EQ coverage.
$22M
Damage
40%
30-yr Prob
$600-$2,400
Premium
25%
Coverage

Quake Protection

Add for $600/yr.

Get EQ Quote

Money Underinsurance Risk

HIGH RISK

Construction $290+/sq ft; historic rebuild.

Money Bag Rebuild Gap $100K+ shortfall.
$290+
per Sq Ft
26%
Cost Rise
$100K+
Gap

Update Limits

Protect $429K home.

Check Coverage

Flood Flood Risk

MEDIUM RISK

12% in zones near creeks.

Flood Creek Flood NFIP required.
$12M
Potential
12%
FEMA Zones
$450-$2,000
Premium

Flood Option

Coverage from $450/yr.

Get Flood Quote

Ione by the Numbers

$429K
Median Home
$1,280
Premium
8,200
Population
72.3%
Ownership

Why Ione Needs Specialized Insurance

About Ione

Location

Amador County
Sierra Foothills

Founded

1849 – Gold Rush
Preston Castle

Population

8,200 residents in 2,343 households

Income

Median: $71,200 | Average: $89,200

Neighboring Cities

Jackson
Sutter Creek
Plymouth
Amador City
Pine Grove

Service Area

ZIP Codes: 95640
Area Codes: 209

Geographic Insights

Elevation

299

Fault Distance

15 miles to Foothill Fault

Flood Zone Percentage

12%

Wildfire Hazard

High (SRA)

Emergency Services

Police

Ione PD

Response: 6.2 min

Fire

Amador Fire

Response: 5.8 min

EMS

Amador EMS

Response: 7.5 min

ISO Rating

ISO 4

Nearby Hospitals

Emergency Evacuation Routes

Hwy 104 Hwy 124 Coal Mine Rd Ione Rd

Frequently Asked Questions

Does insurance cover historic rebuild?

Add ordinance or law for code upgrades (avg $85K).

How much is insurance?

$1,280 avg. Add $500-$2,200 wildfire, $600-$2,400 EQ.

Wildfire?

30% in high zones.

Flood?

12% in FEMA zones.

Highest risk?

North Ione, Historic District, near Mule Creek.

Data Sources

Protect Your Ione Home Today

Get comprehensive insurance coverage that actually protects your $428,700 home.

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