Shingle Springs skyline

🏠 Shingle Springs Home Insurance

Protect Your $598,200 Home from Shingle Springs’s Biggest Risks

8 mi
From Melones Fault
38%
In High Wildfire Zones
8 mi
From Melones Fault
38%
In High Wildfire Zones
12%
In Flood Zones
22%
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⚠️ ATTENTION SHINGLE SPRINGS HOMEOWNERS: 38% of Shingle Springs in very high wildfire zones – rural properties need livestock and outbuilding coverage!

Major Insurance Risks in Shingle Springs

Fire Wildfire Risk

HIGH RISK

38% in very high hazard zones with oak woodlands and dry grass.

Warning Foothill Wildfire Add comprehensive wildfire endorsements.
$45M
Annual Potential
38%
High Hazard
68%
30-yr Prob

Highest Risk Areas:

Ponderosa Rd Mother Lode Dr Rural East Cameron Park Border

Defend Your Foothill Ranch

Cleanup $90K+. Get protected.

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Barn Rural Property Risk

HIGH RISK

Large lots, barns, horses require scheduled coverage.

Warning Livestock & Outbuildings Schedule animals and structures separately.
30%
Homes with Livestock
$20K
Avg Horse Value
40%
Have Rural Coverage

Highest Risk Areas:

Green Valley Rd Deer Valley Large Acreage

Protect Land & Animals

Add $400-$1,600 for horses and barns.

Get Rural Quote

Earthquake Earthquake Risk

MEDIUM RISK

8 miles from Melones Fault; moderate shaking.

Earthquake Seismic Risk Separate EQ coverage.
$25M
Damage
$700-$2,800
Premium
22%
Coverage

Quake Protection

Add for $700/yr.

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Money Underinsurance Risk

HIGH RISK

Construction $320+/sq ft.

Money Bag Rebuild Gap $140K+ shortfall.
$320+
per Sq Ft
29%
Cost Rise

Update Limits

Protect $598K home.

Check Coverage

Flood Flood Risk

LOW RISK

12% in zones near creeks.

Flood Creek Flood NFIP in zones.
$10M
Potential

Flood Option

Coverage from $500/yr.

Get Flood Quote

Shingle Springs by the Numbers

$598K
Median Home
$1,320
Premium
4,800
Population
82.3%
Ownership

Why Shingle Springs Needs Specialized Insurance

About Shingle Springs

Location

El Dorado County
Sierra Foothills

Founded

1850 – Gold Rush Stage Stop
Pony Express

Population

4,800 residents in 1,371 households

Income

Median: $98,200 | Average: $128,300

Neighboring Cities

Cameron Park
El Dorado Hills
Placerville
Diamond Springs
Rescue

Service Area

ZIP Codes: 95682
Area Codes: 530

Geographic Insights

Elevation

1425

Fault Distance

8 miles to Melones Fault

Flood Zone Percentage

12%

Wildfire Hazard

Very High

Emergency Services

Police

El Dorado Sheriff

Response: 6.0 min

Fire

El Dorado Fire

Response: 5.5 min

EMS

El Dorado EMS

Response: 7.5 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 Ponderosa Rd Mother Lode Dr Cameron Park Dr

Frequently Asked Questions

Is wildfire insurance required in Shingle Springs?

No, but 38% in very high zones – add endorsements.

How much is insurance?

$1,320 avg. Add $600-$2,500 wildfire, $400-$1,600 livestock.

Horse coverage?

Schedule animals separately.

Earthquake?

8 miles from Melones Fault – recommended.

Highest wildfire?

Ponderosa Rd, Mother Lode Dr, rural east.

Data Sources

Protect Your Shingle Springs Home Today

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