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🏠 Davis Home Insurance

Protect Your $842,100 Home from Davis’s Biggest Risks

25%
In Flood Zones
85%
Bike Ownership
25%
In Flood Zones
85%
Bike Ownership
22 mi
From Fault
35%
Have Flood Coverage
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⚠️ ATTENTION DAVIS HOMEOWNERS: 25% of Davis is in FEMA flood zones – only 35% carry flood insurance despite Putah Creek risks!

Major Insurance Risks in Davis

Flood Flood Risk

HIGH RISK

25% in FEMA zones along Putah Creek and agricultural drains; winter storms cause overflow.

Warning Creek & Drain Flooding HO excludes flood. NFIP required in zones.
$42M
Annual Potential
25%
FEMA Zones
$600-$2,500
Premium
35%
Have Coverage

Highest Risk Areas:

Putah Creek South Davis Willowbank Mace Ranch Covell Drain

Stay Dry in Davis

Claims average $52K. Coverage from $600/yr.

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Bicycle Bike Theft Risk

HIGH RISK

85% bike ownership; highest per capita theft in CA due to UC Davis campus.

Lock Bike Theft Capital Increase personal property limits; add scheduled bike coverage.
1,200+
Annual Thefts
$800
Avg Bike Value
45%
Have Bike Coverage

Highest Risk Areas:

UC Davis Campus Downtown Apartments Bike Paths

Protect Your Ride

Add $200-$800 for full bike coverage.

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Money Underinsurance Risk

MEDIUM RISK

Construction $310+/sq ft; high home values create gaps.

Money Bag Rebuild Gap $120K+ shortfall common.
$310+
per Sq Ft
28%
Cost Rise
$120K+
Gap

Update Limits

Protect your $842K home.

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Earthquake Earthquake Risk

LOW RISK

22 miles from faults; low shaking.

Earthquake Low Seismic EQ optional but affordable.
$15M
Damage
18%
30-yr Prob
$300-$1,200
Premium

Low-Cost EQ

Add for $300/yr.

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Davis by the Numbers

$842K
Median Home
$1,220
Premium
67,000
Population
44.2%
Ownership

Why Davis Needs Specialized Insurance

About Davis

Location

Yolo County
Sacramento Valley

Founded

1868 – UC Davis Founding
UC Davis Campus

Population

67,000 residents in 19,143 households

Income

Median: $81,200 | Average: $118,900

Neighboring Cities

Woodland
West Sacramento
Dixon
Vacaville
Sacramento

Service Area

ZIP Codes: 95616, 95618
Area Codes: 530

Geographic Insights

Elevation

52

Fault Distance

22 miles to Dunnigan Hills

Flood Zone Percentage

25%

Wildfire Hazard

Low (urban)

Emergency Services

Police

Davis PD

Response: 5.1 min

Fire

Davis Fire

Response: 4.6 min

EMS

Yolo EMS

Response: 6.3 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-80 Hwy 113 Covell Blvd Russell Blvd

Frequently Asked Questions

Is flood insurance required in Davis?

Yes in 25% FEMA zones. Recommended for all near Putah Creek.

How much is home insurance?

$1,220 avg. Add $600-$2,500 flood, $200-$800 bike.

Bike theft coverage?

Add scheduled personal property for high-value bikes.

Wildfire risk?

Low in urban core.

Highest flood areas?

Putah Creek, South Davis, Willowbank, Mace Ranch.

Data Sources

Protect Your Davis Home Today

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