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🏠 Fairfield Home Insurance

Protect Your $642,800 Home from Fairfield’s Biggest Risks

32%
In Flood Zones
15%
In Wildfire Interface
32%
In Flood Zones
15%
In Wildfire Interface
18 mi
From Green Valley Fault
38%
Have Flood Coverage
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⚠️ ATTENTION FAIRFIELD HOMEOWNERS: 32% of Fairfield in FEMA flood zones – only 38% carry flood insurance despite Suisun Marsh and military base proximity!

Major Insurance Risks in Fairfield

Flood Flood Risk

HIGH RISK

32% in FEMA zones along Suisun Marsh, Ledgewood Creek, and urban drains; tidal and storm surge.

Warning Marsh & Tidal Flood Homeowners insurance excludes flood. NFIP mandatory in high-risk zones.
$95M
Annual Flood Potential
32%
In FEMA Flood Zones
48%
Flood Probability (30 yrs)
$600-$2,500
Annual Premium

Highest Risk Areas:

Suisun City Border Cordelia Green Valley Peabody Rd West Fairfield

Don’t Get Swamped

Average claim $58,000. Coverage starts at $600/year.

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Helicopter Military Relocation & Theft Risk

HIGH RISK

High transient military population (Travis AFB); frequent moves and vacant homes increase theft.

Warning PCS Theft Hotspot Increase personal property limits; add vacancy coverage during PCS moves.
22%
Above Regional Theft Avg
$5,200
Avg Theft Claim
48%
Have Vacancy Coverage

Highest Risk Areas:

Near Travis AFB Air Base Pkwy Paradise Valley Military Housing New Subdivisions

Secure During PCS

Add $400-$1,800 for vacancy and enhanced contents.

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Fire Wildfire Risk

MEDIUM RISK

15% in urban-wildland interface in rolling hills; dry grasses and wind.

Warning Hill Grass Fire Standard policies cover fire but may limit debris. Add endorsements in interface areas.
$35M
Annual Wildfire Potential
15%
In Interface Zones
42%
Fire Probability (30 yrs)
Only 30%
Have Full Coverage

Highest Risk Areas:

Green Valley Cordelia Hills Rockville West Hills Open Land

Stop Grass Fires

Cleanup $75K+. Secure coverage now.

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Money Underinsurance Risk

HIGH RISK

Construction costs $295+/sq ft; rapid growth creates $110K-$280K coverage gaps.

Money Bag Rebuild Shortfall Post-disaster costs could exceed policy by $110K+.
$295+
Cost per Sq Ft
27%
Cost Increase Since 2020
$110K-$280K
Typical Coverage Gap
52%
Have Adequate Limits

Verify Your Dwelling Coverage

Ensure your $643K home is fully insured against rising rebuild costs.

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Earthquake Earthquake Risk

MEDIUM RISK

18 miles from Green Valley Fault; moderate shaking with liquefaction near marsh.

Earthquake Seismic & Liquefaction Earthquake damage excluded from standard policies. Separate CEA coverage recommended.
$28M
Potential Annual Damage
35%
Shaking Probability (30 yrs)
$500-$2,200
Annual Premium
25%
Have Coverage

Highest Risk Areas:

Marsh Areas Cordelia Lowlands Near Creeks

Brace for Quakes

Structural repairs could exceed $150K. Protect your home.

Get Earthquake Insurance Quote

Fairfield by the Numbers

$643K
Median Home Value
$1,220
Average Premium
120,000
Population
58.2%
Homeownership Rate

Why Fairfield Needs Specialized Insurance

About Fairfield

Location

Solano County
North Bay

Founded

1856 – Railroad Hub
Travis AFB

Population

120,000 residents in 34,286 households

Income

Median: $89,200 | Average: $118,300

Neighboring Cities

Vacaville
Suisun City
Napa
Vallejo
Benicia

Service Area

ZIP Codes: 94533, 94534, 94535
Area Codes: 707

Geographic Insights

Elevation

13

Fault Distance

18 miles to Green Valley Fault

Flood Zone Percentage

32%

Wildfire Hazard

Moderate (hills interface)

Emergency Services

Police

Fairfield PD

Response: 5.2 min

Fire

Fairfield Fire

Response: 4.8 min

EMS

Solano EMS

Response: 6.3 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-80 I-680 Hwy 12 Air Base Pkwy Travis AFB Gate

Frequently Asked Questions

Is flood insurance required in Fairfield?

Yes, required for federally backed mortgages in 32% of Fairfield within FEMA high-risk zones along Suisun Marsh and creeks.

How much does home insurance cost in Fairfield?

Average $1,220 annually. Add $600-$2,500 for flood and $400-$1,800 for military/vacancy coverage.

Does homeowners insurance cover military PCS moves?

Standard policies have limits during vacancy. Add vacancy endorsement for 30-60 day moves.

What areas of Fairfield have the highest wildfire risk?

Green Valley, Cordelia Hills, Rockville, and west hills face elevated grass fire risk.

Is earthquake insurance necessary in Fairfield?

Recommended due to 18 miles from Green Valley Fault and liquefaction near marsh. Only 25% carry it.

Data Sources

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