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🏠 Cameron Park Home Insurance

Protect Your $678,900 Home from Cameron Park’s Biggest Risks

8 mi
From Cleveland Hill Fault
30%
In High Wildfire Zones
8 mi
From Cleveland Hill Fault
30%
In High Wildfire Zones
8%
In Flood Zones
25%
Have Earthquake Coverage
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⚠️ ATTENTION CAMERON PARK HOMEOWNERS: Only 25% of Cameron Park homeowners carry earthquake insurance despite proximity to active faults and very high wildfire risk!

Major Insurance Risks in Cameron Park

🔥 Wildfire Risk

HIGH RISK

30% of Cameron Park lies in very high wildfire hazard zones with dense oak woodlands and summer drought.

⚠️ Foothill Blaze Risk Standard policies may limit debris removal. Add wildfire endorsements for full protection.
$45M
Annual Potential
30%
High Hazard
65%
30-yr Probability
Only 22%
Full Coverage

Highest Risk Areas:

Airpark Estates East Ridge Bar J David West Hawks Landing

Shield Your Foothill Home

Wildfire cleanup can exceed $80K. Secure coverage today.

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💰 Underinsurance Risk

HIGH RISK

Construction costs at $320+/sq ft create $120K-$300K gaps for many upscale homes.

💸 Rebuild Gap Post-disaster costs could exceed policy by $120K+ due to inflation.
$320+
Cost per Sq Ft
30%
Increase Since 2020
$120K-$300K
Gap
48%
Adequate Limits

Confirm Your Coverage

Protect your $679K investment from rising rebuild costs.

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⚡ Earthquake Risk

MEDIUM RISK

Near Cleveland Hill fault with moderate shaking and minor liquefaction near creeks.

⚡ Seismic Hazard Earthquake damage excluded from standard policies. Separate coverage essential.
$25M
Annual Damage
40%
30-yr Probability
$600-$2,200
Premium
25%
Have Coverage

Highest Risk Areas:

Green Valley Rd Cameron Valley Near Creeks Airpark Runways

Quake-Proof Your Home

Structural repairs could top $140K. Get protected.

Get EQ Quote

🌊 Flood Risk

LOW RISK

8% in FEMA zones near creeks; winter storms cause flash flooding.

🌊 Creek Flooding Flood damage not covered by HO policies. NFIP required in zones.
$8M
Annual Potential
8%
FEMA Zones
6"
Rise by 2050
$400-$2,500
Premium

Highest Risk Areas:

Deer Creek Green Valley Cameron Woods Airpark Lowlands

Prevent Flood Loss

Average claim $35K. Coverage from $400/yr.

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Cameron Park by the Numbers

$679K
Median Home Value
$1,350
Average Premium
18,237
Population
78.4%
Homeownership

Why Cameron Park Needs Specialized Insurance

About Cameron Park

Location

El Dorado County
Sierra Foothills

Founded

1960 – Post-War Suburban Growth
Cameron Airpark Estates

Population

18,237 residents in 5,211 households

Income

Median: $102,345 | Average: $132,110

Neighboring Cities

El Dorado Hills
Shingle Springs
Placerville
Diamond Springs
Folsom

Service Area

ZIP Codes: 95682
Area Codes: 530

Geographic Insights

Elevation

1250

Fault Distance

8 miles to Cleveland Hill Fault

Flood Zone Percentage

8%

Wildfire Hazard

Very High (SRA)

Emergency Services

Police

El Dorado County Sheriff

Response: 6.2 min

Fire

Cameron Park CSD Fire

Response: 5.1 min

EMS

El Dorado EMS

Response: 7.5 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 West Cameron Park Dr Green Valley Rd Bass Lake Rd

Frequently Asked Questions

Is earthquake insurance required in Cameron Park?

Not required but strongly advised due to Cleveland Hill fault proximity. Standard policies exclude quake damage.

How much is home insurance in Cameron Park?

Average $1,350/year. Add $600-$2,200 for earthquake, $400-$2,500 for flood.

Does HO cover wildfire in Cameron Park?

Covers direct fire but may limit debris/smoke. 30% in high zones – add endorsements.

Is flood insurance needed in Cameron Park?

Required in 8% FEMA zones; recommended for all due to creek flash floods.

Highest wildfire areas in Cameron Park?

Airpark Estates, East Ridge, Bar J, David West, Hawks Landing.

Data Sources

Protect Your Cameron Park Home Today

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