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🏠 Lodi Home Insurance

Protect Your $498,200 Home from Lodi’s Biggest Risks

35%
In Flood Zones
20%
Rural Theft Risk
35%
In Flood Zones
20%
Rural Theft Risk
28 mi
From Fault
38%
Have Flood Coverage
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⚠️ ATTENTION LODI HOMEOWNERS: 35% of Lodi in FEMA flood zones – only 38% carry flood insurance despite Delta levees and wine country risks!

Major Insurance Risks in Lodi

Flood Flood Risk

HIGH RISK

35% in FEMA zones along Mokelumne River, Delta islands, and irrigation canals; levee breach and winter storms.

Warning Delta & Levee Flood HO excludes flood. NFIP required in zones; private levee coverage recommended.
$85M
Annual Potential
35%
FEMA Zones
$500-$2,100
Premium
38%
Have Coverage

Highest Risk Areas:

North Lodi Mokelumne River Woodbridge Delta Islands Vineyard Areas

Don’t Drown Your Vines

Claims $55K+. Coverage from $500/yr.

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Grape Ag & Wine Theft Risk

HIGH RISK

High-value farm equipment, wine storage, and rural homes increase theft and vandalism.

Warning Wine Country Theft Schedule equipment, wine collections; add rural security endorsements.
25%
Above Avg Theft
$8,500
Avg Claim
48%
Have Farm Coverage

Highest Risk Areas:

Vineyards Rural East Wineries Outbuildings Kettleman Ln

Protect Your Harvest

Add $400-$1,600 for wine and equipment.

Get Ag & Wine Quote

Wind Wind & Hail Risk

MEDIUM RISK

Valley winds and occasional hail damage roofs, solar, and crops.

Warning Valley Wind Damage Add windstorm/hail endorsements.
$15M
Annual Potential
45%
Have Wind Coverage

Shield Your Roof

Repairs $12K+. Get protected.

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Money Underinsurance Risk

MEDIUM RISK

Construction $275+/sq ft; vineyard rebuild.

Money Bag Rebuild Gap $90K+ shortfall.
$275+
per Sq Ft
24%
Cost Rise
$90K+
Gap

Update Limits

Protect $498K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

28 miles from faults; low shaking.

Earthquake Low Seismic EQ optional.
$12M
Damage
20%
30-yr Prob
$300-$1,200
Premium

Low-Cost EQ

Add for $300/yr.

Get EQ Quote

Lodi by the Numbers

$498K
Median Home
$1,080
Premium
67,000
Population
58.9%
Ownership

Why Lodi Needs Specialized Insurance

About Lodi

Location

San Joaquin County
Central Valley

Founded

1869 – Railroad & Wine
Lodi Wine Country

Population

67,000 residents in 19,143 households

Income

Median: $74,200 | Average: $98,200

Neighboring Cities

Stockton
Galt
Elk Grove
Woodbridge
Acampo

Service Area

ZIP Codes: 95240, 95241, 95242
Area Codes: 209

Geographic Insights

Elevation

49

Fault Distance

28 miles to Midland Fault

Flood Zone Percentage

35%

Wildfire Hazard

Low (ag land)

Emergency Services

Police

Lodi PD

Response: 5.4 min

Fire

Lodi Fire

Response: 5.0 min

EMS

San Joaquin EMS

Response: 6.7 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 99 Hwy 12 Lower Sacramento Rd Turner Rd

Frequently Asked Questions

Is flood insurance required in Lodi?

Yes in 35% FEMA zones along Mokelumne and Delta.

How much is insurance?

$1,080 avg. Add $500-$2,100 flood, $400-$1,600 wine/farm.

Wine collection coverage?

Schedule high-value wine; add off-premises.

Wind damage?

Add windstorm for roof/solar.

Highest flood areas?

North Lodi, Mokelumne River, Woodbridge, Delta islands.

Data Sources

Protect Your Lodi Home Today

Get comprehensive insurance coverage that actually protects your $498,200 home.

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