Rancho Cordova skyline

🏠 Rancho Cordova Home Insurance

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

32%
In Flood Zones
18%
Theft Above Avg
32%
In Flood Zones
18%
Theft Above Avg
20 mi
From Fault
38%
Have Flood Coverage
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⚠️ ATTENTION RANCHO CORDOVA HOMEOWNERS: 32% of Rancho Cordova in FEMA flood zones – home businesses need separate equipment coverage!

Major Insurance Risks in Rancho Cordova

Flood Flood Risk

HIGH RISK

32% in FEMA zones along American River; levee and storm drainage issues.

Warning River & Levee Flood HO excludes flood. NFIP required.
$95M
Annual Potential
32%
FEMA Zones
$600-$2,500
Premium
38%
Have Coverage

Highest Risk Areas:

American River Gold River Mather Anatolia Sunriver

Stay Dry Near the River

Claims $58K+. Coverage from $600/yr.

Get Flood Quote

Briefcase Home Business Risk

HIGH RISK

Tech corridor with many home offices; business equipment not covered by HO.

Warning Business Equipment Gap Add business property endorsement or separate policy.
22%
Homes with Business Use
$12K
Avg Equipment Value
35%
Have Business Coverage

Highest Risk Areas:

Mather Anatolia Sunridge Tech Corridors

Protect Your Home Office

Add $300-$1,200 for equipment and liability.

Get Business Quote

Lock Theft Risk

MEDIUM RISK

Urban growth increases residential and package theft.

Warning Suburban Theft Increase personal property; add identity theft.
18%
Above Avg
$4,200
Avg Claim

Secure Your Property

Add $300-$1,000 for theft protection.

Get Theft Quote

Money Underinsurance Risk

HIGH RISK

Construction $295+/sq ft; new subdivisions.

Money Bag Rebuild Gap $110K+ shortfall.
$295+
per Sq Ft
26%
Cost Rise

Update Limits

Protect $548K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

20 miles from faults.

Earthquake Low Seismic EQ optional.
$15M
Damage
$350-$1,400
Premium

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Rancho Cordova by the Numbers

$548K
Median Home
$1,150
Premium
75,000
Population
58.9%
Ownership

Why Rancho Cordova Needs Specialized Insurance

About Rancho Cordova

Location

Sacramento County
Sacramento Valley

Founded

2003 – Incorporated City
Tech Corridor

Population

75,000 residents in 21,429 households

Income

Median: $78,200 | Average: $103,300

Neighboring Cities

Folsom
Carmichael
Gold River
Mather
Sacramento

Service Area

ZIP Codes: 95670, 95742
Area Codes: 916, 279

Geographic Insights

Elevation

89

Fault Distance

20 miles to Foothill Fault

Flood Zone Percentage

32%

Wildfire Hazard

Low

Emergency Services

Police

Rancho Cordova PD

Response: 5.3 min

Fire

Sacramento Metro Fire

Response: 4.8 min

EMS

Sacramento EMS

Response: 6.2 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 Folsom Blvd Mather Field Rd White Rock Rd

Frequently Asked Questions

Is flood insurance required in Rancho Cordova?

Yes in 32% FEMA zones near American River.

How much is insurance?

$1,150 avg. Add $600-$2,500 flood, $300-$1,200 business.

Home business coverage?

Add endorsement for equipment and liability.

Theft?

18% above avg – add security.

Highest flood?

American River, Gold River, Anatolia.

Data Sources

Protect Your Rancho Cordova Home Today

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

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