Woodland skyline

🏠 Woodland Home Insurance

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

22%
In Flood Zones
35 mi
From Fault
22%
In Flood Zones
35 mi
From Fault
30%
Have Flood Coverage
25%
Homes Pre-1950
Get Free Quote Now
⚠️ ATTENTION WOODLAND HOMEOWNERS: 22% of Woodland in flood zones – historic downtown needs ordinance coverage!

Major Insurance Risks in Woodland

Flood Flood Risk

HIGH RISK

22% in zones near Cache Creek and drainage canals.

Warning Creek & Canal Flood NFIP required in zones.
$65M
Annual Potential
22%
FEMA Zones
$600-$2,500
Premium
30%
Have Coverage

Highest Risk Areas:

East Woodland Cache Creek Downtown Lowlands Spring Lake

Guard Against Creek Surge

Claims $50K+. Coverage from $600/yr.

Get Flood Quote

Building Historic Rebuild Risk

MEDIUM RISK

25% homes pre-1950; ordinance or law coverage needed.

Warning Historic Rebuild Add ordinance coverage.
25%
Pre-1950
$320+
per Sq Ft
40%
Have Ordinance Coverage

Highest Risk Areas:

Downtown Woodland College St Historic District

Preserve Your History

Add $400-$1,600 for historic rebuild.

Get Historic Quote

Lock Urban Theft Risk

MEDIUM RISK

Downtown and retail increase theft.

Warning Ag Town Theft Increase personal property.
18%
Above Avg

Lock Down Woodland

Add $300-$1,200 for theft.

Get Theft Quote

Money Underinsurance Risk

HIGH RISK

Construction $295+/sq ft.

Money Bag Rebuild Gap $110K+ shortfall.
$295+
per Sq Ft

Update Limits

Protect $548K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

35 miles from faults.

Earthquake Low Seismic EQ optional.
$10M
Damage

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Woodland by the Numbers

$548K
Median Home
$1,120
Premium
62,000
Population
58.9%
Ownership

Why Woodland Needs Specialized Insurance

About Woodland

Location

Yolo County
Sacramento Valley

Founded

1861 – Ag & County Seat
Historic Downtown

Population

62,000 residents in 17,714 households

Income

Median: $78,200 | Average: $108,300

Neighboring Cities

Davis
West Sacramento
Dixon
Knights Landing
Esparto

Service Area

ZIP Codes: 95695, 95776
Area Codes: 530

Geographic Insights

Elevation

69

Fault Distance

35 miles to Foothill Fault

Flood Zone Percentage

22%

Wildfire Hazard

Low

Emergency Services

Police

Woodland PD

Response: 5.7 min

Fire

Woodland Fire

Response: 5.2 min

EMS

Yolo EMS

Response: 6.7 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-5 Hwy 113 East St County Rd 98

Frequently Asked Questions

Is flood insurance required in Woodland?

Yes in 22% FEMA zones near Cache Creek.

How much is insurance?

$1,120 avg. Add $600-$2,500 flood, $400-$1,600 historic.

Historic homes?

Add ordinance coverage for pre-1950 homes.

Theft?

18% above avg downtown.

Highest flood risk?

East Woodland, Cache Creek, downtown lowlands.

Data Sources

Protect Your Woodland Home Today

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

Start Your Free Quote Now

Takes only 2 minutes | No obligation | 100% secure