(916) 365-4988 Get Free Quote
Clovis skyline

🏠 Clovis Home Insurance

Protect Your $478,500 Home from Clovis’s Biggest Risks

12 mi
From Clovis Fault
22%
In FEMA Flood Zones
12 mi
From Clovis Fault
22%
In FEMA Flood Zones
18%
In Wildfire Interface
28%
Have Earthquake Insurance
Get Free Quote Now
⚠️ ATTENTION CLOVIS HOMEOWNERS: Only 28% of Clovis homeowners have earthquake insurance despite proximity to the Clovis Fault and 22% in FEMA flood zones along the San Joaquin River!

Major Insurance Risks in Clovis

Flood Flood Risk

HIGH RISK

22% of Clovis lies in FEMA flood zones along the San Joaquin River and Dry Creek, with risks from winter storms and irrigation overflow.

Warning River & Canal Flooding Standard homeowners insurance excludes flood damage. NFIP or private policies required in high-risk zones.
$55M
Annual Flood Potential
22%
In FEMA Flood Zones
40%
Flood Probability (30 yrs)
$500-$2,200
Annual Premium

Highest Risk Areas:

San Joaquin River Corridor Dry Creek Herndon Canal Old Town Lowlands Harlan Ranch

Don't Let Water Ruin Your Home

Average flood claim $48,000. Coverage starts at $500/year.

Get Flood Insurance Quote

Earthquake Earthquake Risk

MEDIUM RISK

12 miles from the active Clovis Fault with moderate shaking potential; liquefaction risk in valley soils near rivers.

Earthquake Seismic Shaking & Liquefaction Earthquake damage excluded from standard policies. Separate CEA or private coverage essential.
$35M
Potential Annual Damage
38%
Shaking Probability (30 yrs)
$600-$2,800
Annual Premium
28%
Have Coverage

Highest Risk Areas:

Riverfront Areas Old Town Near Canals Loma Vista Harlan Ranch Lowlands

Brace for the Next Quake

Structural repairs could exceed $120,000. Protect your $479K home.

Get Earthquake Insurance Quote

Fire Wildfire Risk

MEDIUM RISK

18% of Clovis in urban-wildland interface near Sierra foothills; dry grasses and wind increase ember spread risk.

Warning Foothill Interface Fire Standard policies cover fire but may limit smoke/debris. Add endorsements in interface zones.
$25M
Annual Wildfire Potential
18%
In Interface Zones
45%
Fire Probability (30 yrs)
Only 30%
Have Full Coverage

Highest Risk Areas:

Northeast Clovis Copper River Woodward Park Near Sierra Foothills Loma Vista Hills

Stop Embers Before They Land

Cleanup can cost $75,000+. Secure comprehensive coverage.

Get Wildfire Coverage Quote

Money Underinsurance Risk

HIGH RISK

Construction costs $285+/sq ft and rapid growth create $90K-$220K coverage gaps for many newer homes.

Money Bag Rebuild Shortfall Post-disaster costs could exceed policy limits by $90K+ due to inflation and supply chain issues.
$285+
Cost per Sq Ft
26%
Cost Increase Since 2020
$90K-$220K
Typical Coverage Gap
52%
Have Adequate Limits

Verify Your Dwelling Coverage

Ensure your $479K home is fully insured for rising rebuild costs.

Check My Coverage Now

Clovis by the Numbers

$479K
Median Home Value
$1,080
Average Premium
125,000
Population
63.8%
Homeownership Rate

Why Clovis Needs Specialized Insurance

About Clovis

Location

Fresno County
San Joaquin Valley

Founded

1912 – Agricultural Boom
Old Town Clovis

Population

125,000 residents in 35,714 households

Income

Median: $89,200 | Average: $112,300

Neighboring Cities

Fresno
Sanger
Friant
Madera
Kerman

Service Area

ZIP Codes: 93611, 93612, 93619
Area Codes: 559

Geographic Insights

Elevation

361

Fault Distance

12 miles to Clovis Fault

Flood Zone Percentage

22%

Wildfire Hazard

Moderate (interface with Sierra foothills)

Emergency Services

Police

Clovis Police Department

Response: 4.8 min

Fire

Clovis Fire Department

Response: 4.5 min

EMS

American Ambulance

Response: 6.2 min

ISO Rating

ISO 2

Nearby Hospitals

Emergency Evacuation Routes

Hwy 168 East Clovis Ave North Herndon Ave West Shaw Ave

Frequently Asked Questions

Is flood insurance required in Clovis?

Flood insurance is required for federally backed mortgages in high-risk zones (22% of Clovis along the San Joaquin River). Strongly recommended for all due to canal and storm risks.

How much does home insurance cost in Clovis?

The average premium is $1,080 annually. Add $500-$2,200 for flood and $600-$2,800 for earthquake coverage based on location and home value.

Does homeowners insurance cover wildfire damage in Clovis?

Standard policies cover direct fire damage but may exclude smoke or debris removal. With 18% in interface zones, add comprehensive endorsements.

Is earthquake insurance required in Clovis?

Earthquake insurance is not legally required but highly recommended due to proximity to the Clovis Fault. Only 28% of homeowners currently carry it.

What areas of Clovis have the highest wildfire risk?

Northeast Clovis, Copper River, Woodward Park, and areas near the Sierra foothills face the highest wildfire risk due to dry vegetation and wind patterns.

Data Sources

Protect Your Clovis Home Today

Get comprehensive insurance coverage that actually protects your $478,500 home.

Start Your Free Quote Now

Takes only 2 minutes | No obligation | 100% secure