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🏠 Dixon Home Insurance

Protect Your $589,200 Home from Dixon’s Biggest Risks

28%
In Flood Zones
15%
In Wildfire Interface
28%
In Flood Zones
15%
In Wildfire Interface
28 mi
From Green Valley Fault
38%
Have Flood Coverage
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⚠️ ATTENTION DIXON HOMEOWNERS: 28% of Dixon is in FEMA flood zones – only 38% carry flood insurance despite Putah Creek and agricultural drainage risks!

Major Insurance Risks in Dixon

Flood Flood Risk

HIGH RISK

28% in FEMA zones along Putah Creek, Tremont Drain, and irrigation canals; winter storms and levee breaches.

Warning Creek & Canal Flooding Homeowners insurance excludes flood. NFIP mandatory in high-risk zones.
$48M
Annual Flood Potential
28%
In FEMA Flood Zones
42%
Flood Probability (30 yrs)
$550-$2,300
Annual Premium

Highest Risk Areas:

Putah Creek South Tremont Area West A St Dixon Downs Rural Lowlands

Don’t Let Water Win

Average claim $50,000. Coverage starts at $550/year.

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Tractor Farm Equipment & Ag Theft Risk

HIGH RISK

High rural theft of tractors, ATVs, tools; farm outbuildings common.

Lock Rural Theft Hotspot Increase personal property limits; add scheduled farm equipment coverage.
22%
Above Regional Avg
$8,500
Avg Equipment Claim
48%
Have Farm Coverage

Highest Risk Areas:

Rural Dixon Pedrick Rd Batavia Rd Farms & Ranches Outbuildings

Secure Your Farm Assets

Add $400-$1,800 for full equipment protection.

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Fire Wildfire Risk

MEDIUM RISK

15% in rural-wildland interface with dry grasslands and wind corridors.

Warning Grass & Ember Fire Standard policies cover fire but may limit debris. Add endorsements in interface areas.
$20M
Annual Wildfire Potential
15%
In Interface Zones
38%
Fire Probability (30 yrs)
Only 32%
Have Full Coverage

Highest Risk Areas:

North Dixon Curry Creek Rural North Near I-80 Corridor Open Fields

Stop Grass Fires Fast

Cleanup $65K+. Secure coverage now.

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Money Underinsurance Risk

MEDIUM RISK

Construction costs $280+/sq ft; many newer rural homes underinsured.

Money Bag Rebuild Shortfall Post-disaster costs could exceed policy by $80K-$200K.
$280+
Cost per Sq Ft
24%
Cost Increase Since 2020
$80K-$200K
Typical Coverage Gap
58%
Have Adequate Limits

Verify Your Dwelling Coverage

Ensure your $589K home is fully insured against rising rebuild costs.

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Earthquake Earthquake Risk

LOW RISK

28 miles from Green Valley Fault; low shaking but liquefaction in valley soils near creeks.

Earthquake Low Seismic Risk Earthquake coverage optional but affordable.
$12M
Potential Annual Damage
22%
Shaking Probability (30 yrs)
$300-$1,200
Annual Premium
20%
Have Coverage

Highest Risk Areas:

Near Putah Creek Lowland Farms Irrigation Areas

Low-Cost Quake Protection

Add for $300/year to cover liquefaction risk.

Get Earthquake Insurance Quote

Dixon by the Numbers

$589K
Median Home Value
$1,180
Average Premium
20,000
Population
68.4%
Homeownership Rate

Why Dixon Needs Specialized Insurance

About Dixon

Location

Solano County
Sacramento Valley

Founded

1868 – Railroad Town
Dixon May Fair

Population

20,000 residents in 5,714 households

Income

Median: $89,200 | Average: $112,800

Neighboring Cities

Vacaville
Davis
Fairfield
Rio Vista
Winters

Service Area

ZIP Codes: 95620
Area Codes: 707

Geographic Insights

Elevation

62

Fault Distance

28 miles to Green Valley Fault

Flood Zone Percentage

28%

Wildfire Hazard

Moderate (rural interface)

Emergency Services

Police

Dixon Police Department

Response: 5.3 min

Fire

Dixon Fire Department

Response: 5.0 min

EMS

Solano EMS

Response: 6.8 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-80 East/West Hwy 113 North Pedrick Rd Dixon Ave West

Frequently Asked Questions

Is flood insurance required in Dixon?

Yes, required for federally backed mortgages in 28% of Dixon within FEMA high-risk zones along Putah Creek and canals. Strongly recommended for all rural properties.

How much does home insurance cost in Dixon?

Average $1,180 annually. Add $550-$2,300 for flood and $400-$1,800 for farm equipment/personal property coverage.

Does homeowners insurance cover farm equipment theft?

Standard policies have low limits for outbuildings and equipment. Add scheduled personal property or farm insurance for full protection.

What areas of Dixon have the highest wildfire risk?

North Dixon, Curry Creek, rural north areas, and properties near open fields face elevated grass and ember fire risk.

Is earthquake insurance necessary in Dixon?

Not required and low risk, but recommended near creeks for liquefaction. Only 20% of homeowners carry it.

Data Sources

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