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🏠 Citrus Heights Home Insurance

Protect Your $512,300 Home from Citrus Heights’s Biggest Risks

15%
In Flood Zones
5%
Wildfire Risk
15%
In Flood Zones
5%
Wildfire Risk
18 mi
From Fault
40%
Have Flood Coverage
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⚠️ ATTENTION CITRUS HEIGHTS HOMEOWNERS: 15% of Citrus Heights in FEMA flood zones – only 40% carry flood insurance!

Major Insurance Risks in Citrus Heights

🌊 Flood Risk

MEDIUM RISK

15% in FEMA zones; urban drainage and creek overflow.

🌊 Urban Flooding HO excludes flood. NFIP required in zones.
$28M
Annual Potential
15%
FEMA Zones
$500-$1,800
Premium
40%
Have Coverage

Highest Risk Areas:

Arcade Creek San Juan Cripple Creek Sunrise Blvd

Stay Above Water

Claims $40K+. Coverage from $500/yr.

Get Flood Quote

🔒 Theft Risk

MEDIUM RISK

Higher urban theft rates; personal property claims common.

🔒 Burglary Risk Increase personal property limits and add security discounts.
12%
Above CA Avg
$3,500
Avg Claim
55%
Have Security

Highest Risk Areas:

Apartment complexes Older neighborhoods Near commercial

Secure Your Valuables

Add security for discounts.

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💰 Underinsurance Risk

MEDIUM RISK

Construction $275+/sq ft; many 1970s homes underinsured.

💸 Coverage Gap $70K-$180K shortfall.
$275+
per Sq Ft
22%
Cost Rise
$70K-$180K
Gap

Update Limits

Protect your $512K home.

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⚡ Earthquake Risk

LOW RISK

18 miles from faults; low shaking.

⚡ Low Seismic EQ optional but low-cost.
$10M
Damage
20%
30-yr Prob
$300-$1,000
Premium

Low-Cost EQ

Add for $300/yr.

Get EQ Quote

Citrus Heights by the Numbers

$512K
Median Home
$1,120
Premium
87,000
Population
59.7%
Ownership

Why Citrus Heights Needs Specialized Insurance

About Citrus Heights

Location

Sacramento County
Sacramento Valley

Founded

1991 – Incorporation
Sunrise Mall

Population

87,000 residents in 24,857 households

Income

Median: $71,200 | Average: $92,100

Neighboring Cities

Roseville
Orangevale
Fair Oaks
Antelope
Carmichael

Service Area

ZIP Codes: 95610, 95621
Area Codes: 916, 279

Geographic Insights

Elevation

164

Fault Distance

18 miles to Foothill Fault

Flood Zone Percentage

15%

Wildfire Hazard

Low (urban)

Emergency Services

Police

Citrus Heights PD

Response: 5.2 min

Fire

Sacramento Metro Fire

Response: 4.7 min

EMS

Sacramento EMS

Response: 6.2 min

ISO Rating

ISO 2

Nearby Hospitals

Emergency Evacuation Routes

I-80 Hwy 50 Auburn Blvd Sunrise Blvd

Frequently Asked Questions

Is flood insurance required in Citrus Heights?

Yes in 15% FEMA zones. Recommended for all due to urban drainage.

How much is home insurance?

$1,120 avg. Add $500-$1,800 for flood.

Theft coverage?

Increase personal property limits; security discounts available.

Wildfire risk?

Low in urban core.

Highest flood areas?

Arcade Creek, San Juan, Cripple Creek.

Data Sources

Protect Your Citrus Heights Home Today

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