Orangevale skyline

🏠 Orangevale Home Insurance

Protect Your $548,200 Home from Orangevale’s Biggest Risks

30%
In Flood Zones
65%
Large Trees
30%
In Flood Zones
65%
Large Trees
20 mi
From Fault
38%
Have Flood Coverage
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⚠️ ATTENTION ORANGEVALE HOMEOWNERS: 30% of Orangevale in FEMA flood zones – mature oak trees pose major liability and damage risk!

Major Insurance Risks in Orangevale

Flood Flood Risk

HIGH RISK

30% in FEMA zones along American River and creeks; flash flooding.

Warning River & Creek Flood HO excludes flood. NFIP required.
$75M
Annual Potential
30%
FEMA Zones
$600-$2,500
Premium
38%
Have Coverage

Highest Risk Areas:

American River Hazel Ave Main Ave Creekside

Stay High and Dry

Claims $55K+. Coverage from $600/yr.

Get Flood Quote

Tree Tree & Limb Risk

HIGH RISK

Mature oaks and large trees common; limb fall and root damage.

Warning Oak Tree Liability Increase liability and add tree removal coverage.
65%
Homes with Large Trees
$8,500
Avg Tree Claim
42%
Have Tree Coverage

Highest Risk Areas:

Older Neighborhoods Main Ave Oak Ave Large Lots

Protect from Falling Limbs

Add $400-$1,800 for tree removal and liability.

Get Tree Quote

Money Underinsurance Risk

HIGH RISK

Construction $295+/sq ft.

Money Bag Rebuild Gap $110K+ shortfall.
$295+
per Sq Ft

Update Limits

Protect $548K home.

Check Coverage

Lock Theft Risk

MEDIUM RISK

Suburban theft.

Lock Suburban Theft Add security.
15%
Above Avg

Secure Home

Add $300-$1,200.

Get Theft Quote

Earthquake Earthquake Risk

LOW RISK

20 miles from faults.

Earthquake Low Seismic EQ optional.
$12M
Damage

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Orangevale by the Numbers

$548K
Median Home
$1,150
Premium
35,000
Population
72.3%
Ownership

Why Orangevale Needs Specialized Insurance

About Orangevale

Location

Sacramento County
Sacramento Valley

Founded

1940 – Orange Groves
American River Access

Population

35,000 residents in 10,000 households

Income

Median: $88,200 | Average: $118,300

Neighboring Cities

Citrus Heights
Fair Oaks
Folsom
Roseville
Carmichael

Service Area

ZIP Codes: 95662
Area Codes: 916, 279

Geographic Insights

Elevation

236

Fault Distance

20 miles to Foothill Fault

Flood Zone Percentage

30%

Wildfire Hazard

Moderate (interface)

Emergency Services

Police

Sacramento Sheriff

Response: 5.4 min

Fire

Sacramento Metro Fire

Response: 4.9 min

EMS

Sacramento EMS

Response: 6.2 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hazel Ave Madison Ave Main Ave American River

Frequently Asked Questions

Does insurance cover fallen trees?

Only if it hits structure. Add tree removal.

How much is insurance?

$1,150 avg. Add $600-$2,500 flood, $400-$1,800 tree.

Flood?

30% in FEMA zones.

Tree risk?

65% homes have large oaks.

Highest flood?

American River, Hazel Ave, creeks.

Data Sources

Protect Your Orangevale Home Today

Get comprehensive insurance coverage that actually protects your $548,200 home.

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