Roseville skyline

🏠 Roseville Home Insurance

Protect Your $648,200 Home from Roseville’s Biggest Risks

15 mi
From Bear Mtn Fault
25%
In High Wildfire Zones
15 mi
From Bear Mtn Fault
25%
In High Wildfire Zones
10%
In Flood Zones
65%
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⚠️ ATTENTION ROSEVILLE HOMEOWNERS: 25% of Roseville in high wildfire interface – rapid growth means many homes underinsured!

Major Insurance Risks in Roseville

Fire Wildfire Risk

HIGH RISK

25% in high interface zones near open space and creeks.

Warning Urban-Wildland Interface Add comprehensive wildfire endorsements.
$85M
Annual Potential
25%
High Hazard
58%
30-yr Prob
35%
Full Coverage

Highest Risk Areas:

West Roseville Fiddyment Blue Oaks Creekside

Protect Growing Suburbs

Cleanup $95K+. Get protected.

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Money Underinsurance Risk

HIGH RISK

Construction $335+/sq ft; new homes in master-planned communities.

Money Bag Rebuild Gap $155K+ shortfall.
$335+
per Sq Ft
29%
Cost Rise
$155K+
Gap

Update Limits

Protect $648K home.

Check Coverage

Lock Theft Risk

MEDIUM RISK

Retail hubs (Galleria) and growth increase package and auto theft.

Warning Retail Theft Spillover Increase personal property.
15%
Above Avg
$4,500
Avg Claim
65%
Have Security

Highest Risk Areas:

Galleria Area Stanford Ranch New Subdivisions

Secure Your Home

Add $300-$1,200 for theft.

Get Theft Quote

Earthquake Earthquake Risk

LOW RISK

15 miles from fault.

Earthquake Low Seismic EQ optional.
$20M
Damage
$400-$1,600
Premium

Low-Cost EQ

Add for $400/yr.

Get EQ Quote

Flood Flood Risk

LOW RISK

10% in zones near creeks.

Flood Creek Flood NFIP in zones.
$15M
Potential

Flood Option

Coverage from $400/yr.

Get Flood Quote

Roseville by the Numbers

$648K
Median Home
$1,250
Premium
166,000
Population
68.9%
Ownership

Why Roseville Needs Specialized Insurance

About Roseville

Location

Placer County
Sacramento Valley

Founded

1909 – Railroad Junction
Galleria & Growth

Population

166,000 residents in 47,429 households

Income

Median: $103,200 | Average: $133,300

Neighboring Cities

Rocklin
Lincoln
Citrus Heights
Granite Bay
Antelope

Service Area

ZIP Codes: 95661, 95678, 95747
Area Codes: 916, 279

Geographic Insights

Elevation

164

Fault Distance

15 miles to Bear Mountain Fault

Flood Zone Percentage

10%

Wildfire Hazard

Moderate (interface)

Emergency Services

Police

Roseville PD

Response: 5.1 min

Fire

Roseville Fire

Response: 4.6 min

EMS

Placer EMS

Response: 5.9 min

ISO Rating

ISO 2

Nearby Hospitals

Emergency Evacuation Routes

I-80 Hwy 65 Douglas Blvd Galleria Blvd

Frequently Asked Questions

Is wildfire insurance required in Roseville?

No, but 25% in high interface – add endorsements.

How much is insurance?

$1,250 avg. Add $600-$2,500 wildfire, $300-$1,200 theft.

Underinsurance?

$155K+ gap due to $335+/sq ft.

Theft?

15% above avg near Galleria.

Highest wildfire?

West Roseville, Fiddyment, Blue Oaks.

Data Sources

Protect Your Roseville Home Today

Get comprehensive insurance coverage that actually protects your $648,200 home.

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