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🏠 Paradise Home Insurance

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

95%
In Very High Wildfire Zones
100%
Rebuilt Post-Camp Fire
95%
In Very High Wildfire Zones
100%
Rebuilt Post-Camp Fire
25 mi
From Fault
68%
Have Defensible Space
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⚠️ ATTENTION PARADISE HOMEOWNERS: 95% of Paradise in very high wildfire zones – rebuilt homes require guaranteed replacement cost!

Major Insurance Risks in Paradise

Fire Wildfire Risk

HIGH RISK

95% in very high wildfire hazard zones; dense pine, steep slopes, and wind.

Warning Extreme Ridge Fire Add guaranteed replacement cost and debris removal.
$85M
Annual Potential
95%
Very High Hazard
88%
30-yr Prob
Only 35%
Have Full Coverage

Highest Risk Areas:

Entire Town Skyway Clark Rd Pentecost Ridge Homes

Never Again

Rebuild could exceed $400K. Get full protection.

Get Wildfire Quote

Hammer Rebuild Cost Risk

HIGH RISK

Post-Camp Fire codes increase rebuild cost 40%; standard limits insufficient.

Warning Code Upgrade Gap Add ordinance or law and guaranteed replacement cost.
40%
Cost Increase Post-Fire
$120K
Avg Upgrade Cost
48%
Have Ordinance Coverage

Highest Risk Areas:

All rebuilt homes

Cover the New Codes

Add $800-$3,200 for full rebuild.

Get Rebuild Quote

Money Underinsurance Risk

HIGH RISK

Construction $350+/sq ft due to fire codes.

Money Bag Rebuild Shortfall $150K+ gap.
$350+
per Sq Ft
$150K+
Gap

Verify Limits

Protect $398K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

25 miles from faults.

Earthquake Low Seismic EQ optional.
$10M
Damage

Low-Cost EQ

Add for $400/yr.

Get EQ Quote

Flood Flood Risk

LOW RISK

5% in zones.

Flood Low Flood NFIP optional.
$5M
Potential

Flood Option

Coverage from $400/yr.

Get Flood Quote

Paradise by the Numbers

$398K
Median Home
$1,380
Premium
12,000
Population
68.9%
Ownership

Why Paradise Needs Specialized Insurance

About Paradise

Location

Butte County
Sierra Foothills

Founded

1979 – Post-Camp Fire Rebuild
Ridge Community

Population

12,000 residents in 3,429 households

Income

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

Neighboring Cities

Chico
Magalia
Oroville
Durham
Forest Ranch

Service Area

ZIP Codes: 95969
Area Codes: 530

Geographic Insights

Elevation

1770

Fault Distance

25 miles to Cleveland Hills Fault

Flood Zone Percentage

5%

Wildfire Hazard

Very High (SRA)

Emergency Services

Police

Paradise PD

Response: 5.8 min

Fire

Paradise Fire

Response: 5.2 min

EMS

Butte EMS

Response: 7.0 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Skyway Clark Rd Pentecost Dr Neal Rd

Frequently Asked Questions

Does insurance cover Camp Fire-level loss?

Only with guaranteed replacement cost and ordinance coverage.

How much is insurance?

$1,380 avg. Add $800-$3,200 for rebuild.

Wildfire?

95% in very high zones.

Defensible space?

Required – earn up to 25% discount.

Rebuild cost?

40% higher due to codes.

Data Sources

Protect Your Paradise Home Today

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

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