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🏠 Tracy Home Insurance

Protect Your $698,200 Home from Tracy’s Biggest Risks

15%
In Flood Zones
65 mph
Avg Wind Gusts
15%
In Flood Zones
65 mph
Avg Wind Gusts
40 mi
From Fault
62%
Have Security
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⚠️ ATTENTION TRACY HOMEOWNERS: 65 mph Delta wind gusts damage roofs and solar – rapid growth means many homes underinsured!

Major Insurance Risks in Tracy

Wind Wind Risk

HIGH RISK

Delta winds average 65 mph gusts; roof, fence, and solar damage.

Warning Delta Windstorm Add windstorm endorsement.
65 mph
Avg Gusts
$22K
Avg Roof Claim
45%
Have Wind Coverage

Highest Risk Areas:

West Tracy Mountain House New Subdivisions Open Areas

Shield from Delta Gusts

Add $400-$1,800 for wind protection.

Get Wind Quote

Money Underinsurance Risk

HIGH RISK

Construction $375+/sq ft; new master-planned communities.

Money Bag Rebuild Gap $180K+ shortfall.
$375+
per Sq Ft
32%
Cost Rise
$180K+
Gap

Update Limits

Protect $698K home.

Check Coverage

Lock Theft Risk

MEDIUM RISK

Growth and logistics hubs increase package and auto theft.

Warning Growth Theft Increase personal property.
18%
Above Avg
$4,600
Avg Claim
62%
Have Security

Highest Risk Areas:

Mountain House New Subdivisions Retail Areas

Secure New Homes

Add $300-$1,200 for theft.

Get Theft Quote

Flood Flood Risk

MEDIUM RISK

15% in zones near creeks and Delta.

Flood Creek & Delta Flood NFIP in zones.
$45M
Potential
$500-$2,100
Premium

Flood Option

Coverage from $500/yr.

Get Flood Quote

Earthquake Earthquake Risk

LOW RISK

40 miles from faults.

Earthquake Low Seismic EQ optional.
$15M
Damage

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Tracy by the Numbers

$698K
Median Home
$1,150
Premium
105,000
Population
68.9%
Ownership

Why Tracy Needs Specialized Insurance

About Tracy

Location

San Joaquin County
Central Valley

Founded

1878 – Railroad & Ag
Logistics Hub

Population

105,000 residents in 30,000 households

Income

Median: $103,200 | Average: $128,300

Neighboring Cities

Manteca
Lathrop
Mountain House
Livermore
Stockton

Service Area

ZIP Codes: 95304, 95376, 95377, 95391
Area Codes: 209

Geographic Insights

Elevation

52

Fault Distance

40 miles to Ortigalita Fault

Flood Zone Percentage

15%

Wildfire Hazard

Low

Emergency Services

Police

Tracy PD

Response: 5.4 min

Fire

Tracy Fire

Response: 5.0 min

EMS

San Joaquin EMS

Response: 6.5 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-205 I-580 Hwy 132 Byron Rd Tracy Blvd

Frequently Asked Questions

Does insurance cover wind damage in Tracy?

Add windstorm endorsement – 65 mph gusts common.

How much is insurance?

$1,150 avg. Add $400-$1,800 wind, $300-$1,200 theft.

Underinsurance?

$180K+ gap due to $375+/sq ft.

Theft?

18% above avg in new areas.

Highest wind risk?

West Tracy, Mountain House, open areas.

Data Sources

Protect Your Tracy Home Today

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