La Riviera skyline

🏠 La Riviera Home Insurance

Protect Your $428,500 Home from La Riviera’s Biggest Risks

35%
In Flood Zones
22%
Theft Above Avg
35%
In Flood Zones
22%
Theft Above Avg
18 mi
From Fault
32%
Have Flood Coverage
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⚠️ ATTENTION LA RIVIERA HOMEOWNERS: 35% of La Riviera in FEMA flood zones – standard flood insurance does NOT cover levee failure!

Major Insurance Risks in La Riviera

Flood Flood & Levee Risk

HIGH RISK

35% in FEMA zones along American River; levee failure could flood entire area.

Warning River & Levee Flood NFIP excludes levee failure. Private inundation policy required.
$85M
Annual Potential
35%
FEMA Zones
$550-$2,300
NFIP Premium
Only 12%
Have Levee Coverage

Highest Risk Areas:

River Park La Riviera Dr Near Levee Folsom Blvd Watt Ave

Don’t Trust the Levee

Levee breach could flood $429K home in hours. Get inundation coverage.

Get Levee Quote

Lock Theft Risk

HIGH RISK

Urban density and proximity to retail increase burglary and package theft.

Warning Suburban Theft Increase personal property and add identity theft.
22%
Above Avg
$4,300
Avg Claim
48%
Have Security

Highest Risk Areas:

Apartments Folsom Blvd Watt Ave Commercial Zones

Secure Your Home

Add $300-$1,200 for theft protection.

Get Theft Quote

Money Underinsurance Risk

MEDIUM RISK

Construction $285+/sq ft; older homes.

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

Update Limits

Protect $429K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

18 miles from faults; low risk.

Earthquake Low Seismic EQ optional.
$12M
Damage
22%
30-yr Prob
$350-$1,400
Premium

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Fire Wildfire Risk

LOW RISK

Low risk in urban area.

Fire Low Fire Risk Standard coverage OK.
$5M
Annual Potential

Basic Fire OK

No special coverage needed.

Review Policy

La Riviera by the Numbers

$429K
Median Home
$1,120
Premium
11,000
Population
52.7%
Ownership

Why La Riviera Needs Specialized Insurance

About La Riviera

Location

Sacramento County
Sacramento Valley

Founded

1950 – Post-War Suburb
American River Access

Population

11,000 residents in 3,143 households

Income

Median: $68,200 | Average: $89,200

Neighboring Cities

Rosemont
Rancho Cordova
Carmichael
Sacramento
Mather

Service Area

ZIP Codes: 95826
Area Codes: 916, 279

Geographic Insights

Elevation

39

Fault Distance

18 miles to Foothill Fault

Flood Zone Percentage

35%

Wildfire Hazard

Low (urban)

Emergency Services

Police

Sacramento Sheriff

Response: 5.5 min

Fire

Sacramento Metro Fire

Response: 4.9 min

EMS

Sacramento EMS

Response: 6.2 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 La Riviera Dr Folsom Blvd Watt Ave

Frequently Asked Questions

Does flood insurance cover levee failure?

No – NFIP excludes levee breach. Private policy required.

How much is insurance?

$1,120 avg. Add $550-$2,300 flood, $300-$1,200 theft.

Theft?

22% above avg – add security.

Wildfire?

Low risk.

Highest flood?

Near American River, La Riviera Dr, levee areas.

Data Sources

Protect Your La Riviera Home Today

Get comprehensive insurance coverage that actually protects your $428,500 home.

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