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🏠 Merced Home Insurance

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

28%
In Flood Zones
22%
Theft Above Avg
28%
In Flood Zones
22%
Theft Above Avg
38 mi
From Fault
35%
Have Flood Coverage
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⚠️ ATTENTION MERCED HOMEOWNERS: 28% of Merced in FEMA flood zones – extreme heat also damages roofs and AC units not covered by standard policies!

Major Insurance Risks in Merced

Flood Flood Risk

HIGH RISK

28% in FEMA zones along Bear Creek and canals; urban drainage fails during winter storms.

Warning Creek & Urban Flood HO excludes flood. NFIP required in zones.
$65M
Annual Potential
28%
FEMA Zones
$500-$2,100
Premium
35%
Have Coverage

Highest Risk Areas:

Bear Creek South Merced G St Corridor Older Neighborhoods UC Merced Vicinity

Stay Above Water

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

Get Flood Quote

Lock Theft & Student Risk

HIGH RISK

High student population (UC Merced) and urban density increase burglary, bike, and package theft.

Warning College Town Theft Increase personal property limits; add renter or student endorsements.
22%
Above Regional Avg
$4,200
Avg Theft Claim
48%
Have Security Systems

Highest Risk Areas:

Near UC Merced G St Downtown Student Housing Retail Areas

Secure Student Homes

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

Get Theft Quote

Thermometer Heat & AC Failure Risk

MEDIUM RISK

Triple-digit summers strain AC units and roofs; mechanical breakdown not covered by HO.

Warning Extreme Heat Damage Add equipment breakdown coverage for AC, solar, and appliances.
45
Days >100°F (Annual)
$3,800
Avg AC Replacement
28%
Have Breakdown Coverage

Highest Risk Areas:

All areas – especially older homes

Beat the Heat

Add $15-$30/month for $50K equipment coverage.

Get Heat Protection Quote

Money Underinsurance Risk

MEDIUM RISK

Construction $265+/sq ft; older housing stock.

Money Bag Rebuild Gap $85K+ shortfall.
$265+
per Sq Ft
23%
Cost Rise
$85K+
Gap

Update Limits

Protect $398K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

38 miles from faults; low risk.

Earthquake Low Seismic EQ optional.
$12M
Damage
$300-$1,200
Premium

Low-Cost EQ

Add for $300/yr.

Get EQ Quote

Merced by the Numbers

$398K
Median Home
$1,020
Premium
92,000
Population
48.2%
Ownership

Why Merced Needs Specialized Insurance

About Merced

Location

Merced County
Central Valley

Founded

1872 – Railroad & Agriculture
UC Merced

Population

92,000 residents in 26,286 households

Income

Median: $58,200 | Average: $81,200

Neighboring Cities

Atwater
Livingston
Winton
Chowchilla
Los Banos

Service Area

ZIP Codes: 95340, 95341, 95348
Area Codes: 209

Geographic Insights

Elevation

171

Fault Distance

38 miles to Ortigalita Fault

Flood Zone Percentage

28%

Wildfire Hazard

Low

Emergency Services

Police

Merced PD

Response: 5.7 min

Fire

Merced Fire

Response: 5.2 min

EMS

Merced EMS

Response: 6.8 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 99 Hwy 140 G St V St Bear Creek Dr

Frequently Asked Questions

Is flood insurance required in Merced?

Yes in 28% FEMA zones along Bear Creek and canals.

How much is insurance?

$1,020 avg. Add $500-$2,100 flood, $300-$1,200 theft.

Does insurance cover AC breakdown from heat?

No – add equipment breakdown coverage ($15-$30/mo).

Theft near UC Merced?

22% above avg – add student protection.

Highest flood areas?

Bear Creek, South Merced, G St corridor.

Data Sources

Protect Your Merced Home Today

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

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