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🏠 Oroville Home Insurance

Protect Your $318,700 Home from Oroville’s Biggest Risks

55%
In Flood Zones
40%
In Dam Inundation Zone
55%
In Flood Zones
40%
In Dam Inundation Zone
30 mi
From Fault
25%
Have Inundation Coverage
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⚠️ ATTENTION OROVILLE HOMEOWNERS: 55% of Oroville in FEMA flood zones – standard flood insurance does NOT cover dam failure!

Major Insurance Risks in Oroville

Dam Dam Inundation Risk

HIGH RISK

40% in Oroville Dam inundation zone; catastrophic failure could flood city in hours.

Warning Catastrophic Dam Failure NFIP excludes dam failure. Private inundation policy required.
40%
In Inundation Zone
$800-$3,500
Annual Premium
Only 25%
Have Coverage

Highest Risk Areas:

Downtown Thermalito South Oroville Below Dam

Prepare for the Worst

Dam breach could destroy $319K home. Get inundation coverage.

Get Dam Quote

Flood Flood Risk

HIGH RISK

55% in FEMA zones along Feather River; winter storms and dam releases.

Flood River Flood NFIP required in zones.
$95M
Annual Potential
55%
FEMA Zones
$600-$2,500
Premium

Highest Risk Areas:

Feather River Downtown Thermalito Lowlands

River Flood Protection

Coverage from $600/yr.

Get Flood Quote

Fire Wildfire Risk

HIGH RISK

High interface zones in foothills.

Fire Interface Fire Add endorsements.
$35M
Potential
30%
High Hazard

Highest Risk Areas:

East Oroville Foothills Kelly Ridge

Fire Defense

Cleanup $80K+.

Get Wildfire Quote

Money Underinsurance Risk

MEDIUM RISK

Construction $250+/sq ft.

Money Bag Rebuild Gap $70K+ shortfall.
$250+
per Sq Ft

Update Limits

Protect $319K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

30 miles from faults.

Earthquake Low Seismic EQ optional.
$10M
Damage

Low-Cost EQ

Add for $300/yr.

Get EQ Quote

Oroville by the Numbers

$319K
Median Home
$1,120
Premium
16,000
Population
52.3%
Ownership

Why Oroville Needs Specialized Insurance

About Oroville

Location

Butte County
Sacramento Valley

Founded

1856 – Gold Rush & Dam
Oroville Dam

Population

16,000 residents in 4,571 households

Income

Median: $47,200 | Average: $68,200

Neighboring Cities

Paradise
Chico
Gridley
Palermo
Thermalito

Service Area

ZIP Codes: 95965, 95966
Area Codes: 530

Geographic Insights

Elevation

243

Fault Distance

30 miles to Cleveland Hills Fault

Flood Zone Percentage

55%

Wildfire Hazard

High (interface)

Emergency Services

Police

Oroville PD

Response: 5.9 min

Fire

Oroville Fire

Response: 5.4 min

EMS

Butte EMS

Response: 7.2 min

ISO Rating

ISO 4

Nearby Hospitals

Emergency Evacuation Routes

Hwy 70 Hwy 162 Oro Dam Blvd Feather River

Frequently Asked Questions

Does flood insurance cover dam failure?

No – private inundation policy required.

How much is insurance?

$1,120 avg. Add $800-$3,500 dam, $600-$2,500 flood.

Wildfire?

30% in high interface.

Dam zone?

40% of city at risk.

Highest risk?

Downtown, Thermalito, below dam.

Data Sources

Protect Your Oroville Home Today

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