Grass Valley skyline

🏠 Grass Valley Home Insurance

Protect Your $528,900 Home from Grass Valley’s Biggest Risks

8 mi
From Dog Valley Fault
55%
In High Wildfire Zones
8 mi
From Dog Valley Fault
55%
In High Wildfire Zones
8%
In Flood Zones
22%
Have EQ Coverage
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⚠️ ATTENTION GRASS VALLEY HOMEOWNERS: 55% of Grass Valley in very high wildfire zones – historic homes extremely vulnerable!

Major Insurance Risks in Grass Valley

Fire Wildfire Risk

HIGH RISK

55% in very high wildfire hazard zones with dense pine, steep terrain, and wind.

Warning Severe Foothill Fire Add guaranteed replacement and debris removal.
$65M
Annual Potential
55%
High Hazard
82%
30-yr Prob
18%
Full Coverage

Highest Risk Areas:

South Grass Valley Brunswick Alta Sierra Wolf Creek Hillsides

Defend Your Home

Cleanup $120K+. Get protected.

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Earthquake Earthquake Risk

HIGH RISK

8 miles from Dog Valley Fault; high shaking and mine collapse risk.

Earthquake Seismic & Mine Trigger Separate EQ + subsidence coverage.
$38M
Damage
55%
30-yr Prob
$800-$3,200
Premium
22%
Coverage

Highest Risk Areas:

Near Mines Downtown Hillsides

Quake-Proof

Repairs $180K+. Get coverage.

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Mine Mine Subsidence Risk

MEDIUM RISK

Old gold mines beneath city; sinkhole risk.

Warning Mine Collapse Separate subsidence policy.
15%
Above Tunnels
$700-$2,800
Premium

Don’t Sink

Add subsidence coverage.

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Money Underinsurance Risk

HIGH RISK

Construction $310+/sq ft; historic.

Money Bag Rebuild Gap $130K+ shortfall.
$310+
per Sq Ft
29%
Cost Rise
$130K+
Gap

Update Limits

Protect $529K home.

Check Coverage

Flood Flood Risk

LOW RISK

8% in zones near creeks.

Flood Creek Flood NFIP in zones.
$8M
Potential
8%
FEMA Zones

Flood Option

Coverage from $400/yr.

Get Flood Quote

Grass Valley by the Numbers

$529K
Median Home
$1,380
Premium
14,000
Population
58.3%
Ownership

Why Grass Valley Needs Specialized Insurance

About Grass Valley

Location

Nevada County
Sierra Foothills

Founded

1850 – Gold Rush
Empire Mine

Population

14,000 residents in 4,000 households

Income

Median: $51,200 | Average: $78,200

Neighboring Cities

Nevada City
Auburn
Colfax
Penn Valley
Lake of the Pines

Service Area

ZIP Codes: 95945, 95949
Area Codes: 530

Geographic Insights

Elevation

2411

Fault Distance

8 miles to Dog Valley Fault

Flood Zone Percentage

8%

Wildfire Hazard

Very High (SRA)

Emergency Services

Police

Grass Valley PD

Response: 5.8 min

Fire

Grass Valley Fire

Response: 5.0 min

EMS

Nevada EMS

Response: 7.0 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 49 Hwy 20 McKnight Way Idaho Maryland Rd

Frequently Asked Questions

Is wildfire insurance required?

Not required but critical – 55% in very high zones.

How much is insurance?

$1,380 avg. Add $600-$2,500 wildfire, $800-$3,200 EQ.

Mine subsidence?

Separate policy needed.

Flood?

8% in FEMA zones.

Highest wildfire?

South Grass Valley, Brunswick, Alta Sierra.

Data Sources

Protect Your Grass Valley Home Today

Get comprehensive insurance coverage that actually protects your $528,900 home.

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