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🏠 Jackson Home Insurance

Protect Your $398,200 Home from Jackson’s Biggest Risks

14 mi
From Fault
35%
In High Wildfire Zones
14 mi
From Fault
35%
In High Wildfire Zones
8%
In Flood Zones
18%
Have Subsidence Coverage
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⚠️ ATTENTION JACKSON HOMEOWNERS: Historic gold mines under Jackson – only 18% have mine subsidence coverage!

Major Insurance Risks in Jackson

Mine Mine Subsidence Risk

HIGH RISK

Old gold mine tunnels beneath downtown; risk of collapse and sinkholes.

Warning Subsidence Collapse Standard policies exclude mine subsidence. Separate state or private coverage required.
$45M
Potential Damage
25%
Above Mine Tunnels
$800-$3,000
Annual Premium
Only 18%
Have Coverage

Highest Risk Areas:

Downtown Jackson Main St Historic Core Near Kennedy Mine

Don’t Fall In

Sinkhole could destroy $398K home. Get subsidence coverage.

Get Subsidence Quote

Fire Wildfire Risk

HIGH RISK

35% in high wildfire zones with dense forest and wind.

Warning Foothill Fire Add comprehensive coverage.
$32M
Annual Potential
35%
High Hazard
68%
30-yr Prob
20%
Full Coverage

Highest Risk Areas:

North Jackson Pine Grove Rd Ridge Rd Foothills

Stop the Flames

Cleanup $75K+. Get protected.

Get Wildfire Quote

Earthquake Earthquake Risk

MEDIUM RISK

14 miles from faults; risk of mine collapse.

Earthquake Seismic Trigger EQ coverage + subsidence.
$20M
Damage
38%
30-yr Prob
$600-$2,300
Premium

Quake & Mine

Add dual coverage.

Get EQ Quote

Money Underinsurance Risk

HIGH RISK

Construction $285+/sq ft; historic.

Money Bag Rebuild Gap $95K+ shortfall.
$285+
per Sq Ft
25%
Cost Rise
$95K+
Gap

Update Limits

Protect $398K 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

Jackson by the Numbers

$398K
Median Home
$1,250
Premium
5,100
Population
58.9%
Ownership

Why Jackson Needs Specialized Insurance

About Jackson

Location

Amador County
Sierra Foothills

Founded

1848 – Gold Rush Capital
Kennedy Tailing Wheels

Population

5,100 residents in 1,457 households

Income

Median: $61,200 | Average: $81,200

Neighboring Cities

Sutter Creek
Ione
Plymouth
Pine Grove
Mokelumne Hill

Service Area

ZIP Codes: 95642
Area Codes: 209

Geographic Insights

Elevation

1217

Fault Distance

14 miles to Foothill Fault

Flood Zone Percentage

8%

Wildfire Hazard

High (SRA)

Emergency Services

Police

Jackson PD

Response: 6.0 min

Fire

Amador Fire

Response: 5.5 min

EMS

Amador EMS

Response: 7.2 min

ISO Rating

ISO 4

Nearby Hospitals

Emergency Evacuation Routes

Hwy 49 Hwy 88 Ridge Rd Sutter St

Frequently Asked Questions

Does insurance cover mine subsidence?

No – separate state or private policy required.

How much is insurance?

$1,250 avg. Add $800-$3,000 subsidence, $500-$2,100 wildfire.

Wildfire?

35% in high zones.

Flood?

8% in FEMA zones.

Highest subsidence?

Downtown, Main St, near Kennedy Mine.

Data Sources

Protect Your Jackson Home Today

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