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🏠 Lincoln Home Insurance

Protect Your $682,300 Home from Lincoln’s Biggest Risks

28%
In Flood Zones
18%
In Wildfire Interface
28%
In Flood Zones
18%
In Wildfire Interface
22 mi
From Fault
42%
Have Flood Coverage
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⚠️ ATTENTION LINCOLN HOMEOWNERS: 28% of Lincoln in FEMA flood zones – only 42% carry flood insurance despite Coon Creek and 55+ community risks!

Major Insurance Risks in Lincoln

Flood Flood Risk

HIGH RISK

28% in FEMA zones along Coon Creek and Markham Ravine; urban drainage issues.

Warning Creek & Storm Flood HO excludes flood. NFIP required in zones.
$75M
Annual Potential
28%
FEMA Zones
$550-$2,300
Premium
42%
Have Coverage

Highest Risk Areas:

Sun City Coon Creek Markham Ravine Joiner Pkwy Twelve Bridges

Stay Dry in Retirement

Claims $52K+. Coverage from $550/yr.

Get Flood Quote

Senior 55+ Community Risk

HIGH RISK

Large active adult population; higher medical, liability, and theft concerns.

Warning Senior Community Increase liability, medical payments, and personal property for golf carts.
45%
Residents 55+
$6,500
Avg Golf Cart Value
55%
Have Golf Cart Coverage

Highest Risk Areas:

Sun City Lincoln Hills Verdera Catania

Protect Your Lifestyle

Add $400-$1,600 for golf cart and liability.

Get 55+ Quote

Fire Wildfire Risk

MEDIUM RISK

18% in interface zones near open land.

Warning Interface Fire Add endorsements.
$30M
Annual Potential
18%
Interface
45%
30-yr Prob

Defend Your Home

Cleanup $70K+.

Get Wildfire Quote

Money Underinsurance Risk

HIGH RISK

Construction $305+/sq ft; newer homes.

Money Bag Rebuild Gap $120K+ shortfall.
$305+
per Sq Ft
28%
Cost Rise
$120K+
Gap

Update Limits

Protect $682K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

22 miles from faults; low risk.

Earthquake Low Seismic EQ optional.
$15M
Damage
20%
30-yr Prob
$350-$1,400
Premium

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Lincoln by the Numbers

$682K
Median Home
$1,180
Premium
52,000
Population
78.4%
Ownership

Why Lincoln Needs Specialized Insurance

About Lincoln

Location

Placer County
Sacramento Valley

Founded

1859 – Railroad Town
Sun City Lincoln Hills

Population

52,000 residents in 14,857 households

Income

Median: $98,200 | Average: $128,300

Neighboring Cities

Roseville
Rocklin
Loomis
Sheridan
Wheatland

Service Area

ZIP Codes: 95648
Area Codes: 916, 279

Geographic Insights

Elevation

167

Fault Distance

22 miles to Foothill Fault

Flood Zone Percentage

28%

Wildfire Hazard

Moderate (interface)

Emergency Services

Police

Lincoln PD

Response: 5.1 min

Fire

Lincoln Fire

Response: 4.7 min

EMS

Placer EMS

Response: 6.0 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 65 Lincoln Blvd Joiner Pkwy Ferrari Ranch Rd

Frequently Asked Questions

Is flood insurance required in Lincoln?

Yes in 28% FEMA zones. Common in Sun City.

How much is insurance?

$1,180 avg. Add $550-$2,300 flood, $400-$1,600 55+.

Golf cart coverage?

Add to personal property.

Wildfire?

18% in interface.

Highest flood?

Sun City, Coon Creek, Markham Ravine.

Data Sources

Protect Your Lincoln Home Today

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