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🏠 Folsom Home Insurance

Protect Your $789,200 Home from Folsom’s Biggest Risks

12 mi
From Bear Mtn Fault
30%
In High Wildfire Zones
12 mi
From Bear Mtn Fault
30%
In High Wildfire Zones
18%
In Dam Inundation Zone
28%
Have EQ Coverage
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⚠️ ATTENTION FOLSOM HOMEOWNERS: 18% of Folsom in Folsom Dam inundation zone – standard flood insurance does NOT cover dam failure!

Major Insurance Risks in Folsom

Dam Dam Inundation Risk

HIGH RISK

18% in Folsom Dam failure inundation zone; catastrophic flooding if dam breaches.

Warning Catastrophic Dam Failure Standard NFIP excludes dam failure. Private inundation policies required.
$1.2B
Potential Damage
18%
In Inundation Zone
$500-$2,200
Annual Premium
Only 15%
Have Coverage

Highest Risk Areas:

Historic Folsom Broadstone Empire Ranch American River Canyon Below Dam

Prepare for the Worst

Dam failure could flood $789K home in minutes. Get inundation coverage.

Get Dam Inundation Quote

Fire Wildfire Risk

HIGH RISK

30% in high wildfire zones with oak woodlands and steep terrain.

Warning Foothill Fire Threat Add comprehensive wildfire endorsements.
$90M
Annual Potential
30%
High Hazard
65%
30-yr Prob
22%
Full Coverage

Highest Risk Areas:

Empire Ranch Broadstone American River Canyon Folsom Lake Estates

Shield Your Home

Cleanup $100K+. Get protected.

Get Wildfire Quote

Earthquake Earthquake Risk

MEDIUM RISK

12 miles from Bear Mountain Fault; moderate shaking and dam stability concerns.

Earthquake Seismic & Dam Risk Separate EQ coverage essential.
$45M
Annual Damage
45%
30-yr Prob
$700-$2,800
Premium
28%
Coverage

Highest Risk Areas:

Near Dam Hillside Older Homes

Quake-Proof

Repairs $200K+. Get coverage.

Get EQ Quote

Money Underinsurance Risk

HIGH RISK

Construction $330+/sq ft; luxury homes.

Money Bag Rebuild Gap $180K+ shortfall.
$330+
per Sq Ft
30%
Cost Rise
$180K+
Gap

Update Limits

Protect $789K home.

Check Coverage

Flood Flood Risk

MEDIUM RISK

18% in FEMA zones below dam; riverine flooding.

Flood River Flood NFIP required in zones.
$40M
Potential
18%
FEMA Zones
$450-$2,000
Premium

Flood Protection

Coverage from $450/yr.

Get Flood Quote

Folsom by the Numbers

$789K
Median Home
$1,280
Premium
85,000
Population
69.8%
Ownership

Why Folsom Needs Specialized Insurance

About Folsom

Location

Sacramento County
Sierra Foothills

Founded

1849 – Gold Rush & Prison
Folsom Lake

Population

85,000 residents in 24,286 households

Income

Median: $128,400 | Average: $162,300

Neighboring Cities

El Dorado Hills
Orangevale
Granite Bay
Roseville
Rancho Cordova

Service Area

ZIP Codes: 95630, 95763
Area Codes: 916, 279

Geographic Insights

Elevation

220

Fault Distance

12 miles to Bear Mountain Fault

Flood Zone Percentage

18%

Wildfire Hazard

High (foothill interface)

Emergency Services

Police

Folsom PD

Response: 4.7 min

Fire

Folsom Fire

Response: 4.4 min

EMS

Sacramento EMS

Response: 5.9 min

ISO Rating

ISO 2

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 Folsom Blvd Blue Ravine Rd East Bidwell

Frequently Asked Questions

Does flood insurance cover Folsom Dam failure?

No – NFIP excludes dam failure. Private inundation policies required.

How much is insurance?

$1,280 avg. Add $500-$2,200 inundation, $700-$2,800 EQ.

Wildfire coverage?

30% in high zones – add endorsements.

Earthquake?

12 miles from fault – recommended.

Highest inundation areas?

Historic Folsom, Broadstone, below dam.

Data Sources

Protect Your Folsom Home Today

Get comprehensive insurance coverage that actually protects your $789,200 home.

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