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🏠 Loomis Home Insurance

Protect Your $798,200 Home from Loomis’s Biggest Risks

10 mi
From Bear Mtn Fault
30%
In High Wildfire Zones
10 mi
From Bear Mtn Fault
30%
In High Wildfire Zones
5%
In Flood Zones
28%
Have EQ Coverage
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⚠️ ATTENTION LOOMIS HOMEOWNERS: 30% of Loomis in high wildfire interface – rural estates highly vulnerable!

Major Insurance Risks in Loomis

Fire Wildfire Risk

HIGH RISK

30% in high wildfire zones with oak woodlands, dry grasses, and rural access issues.

Warning Rural Interface Fire Add comprehensive coverage for debris and access.
$45M
Annual Potential
30%
High Hazard
65%
30-yr Prob
22%
Full Coverage

Highest Risk Areas:

East Loomis King Rd Horseshoe Bar Rural Estates Open Land

Defend Your Ranch

Cleanup $90K+. Get protected.

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Barn Rural Property Risk

HIGH RISK

Large lots, barns, livestock, and equipment require specialized coverage.

Warning Farmette Liability Add scheduled structures, livestock, and liability.
55%
Homes with Outbuildings
$25K
Avg Barn Value
42%
Have Farmette Coverage

Highest Risk Areas:

Rural Loomis Auburn Folsom Rd Large Lots

Cover Your Land

Add $500-$2,000 for barns and animals.

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Earthquake Earthquake Risk

MEDIUM RISK

10 miles from fault; moderate shaking.

Earthquake Seismic Risk Separate EQ coverage.
$28M
Damage
45%
30-yr Prob
$700-$2,800
Premium
28%
Coverage

Quake Protection

Add for $700/yr.

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Money Underinsurance Risk

HIGH RISK

Construction $330+/sq ft; large homes.

Money Bag Rebuild Gap $180K+ shortfall.
$330+
per Sq Ft
30%
Cost Rise
$180K+
Gap

Update Limits

Protect $798K home.

Check Coverage

Flood Flood Risk

LOW RISK

5% in zones near creeks.

Flood Creek Flash Flood NFIP in zones.
$5M
Potential
5%
FEMA Zones

Flood Option

Coverage from $400/yr.

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Loomis by the Numbers

$798K
Median Home
$1,280
Premium
6,800
Population
82.3%
Ownership

Why Loomis Needs Specialized Insurance

About Loomis

Location

Placer County
Sierra Foothills

Founded

1850 – Railroad & Fruit
Loomis Basin

Population

6,800 residents in 1,943 households

Income

Median: $112,300 | Average: $148,900

Neighboring Cities

Rocklin
Granite Bay
Roseville
Penryn
Newcastle

Service Area

ZIP Codes: 95650
Area Codes: 916, 279

Geographic Insights

Elevation

404

Fault Distance

10 miles to Bear Mountain Fault

Flood Zone Percentage

5%

Wildfire Hazard

High (interface)

Emergency Services

Police

Placer Sheriff

Response: 5.6 min

Fire

South Placer Fire

Response: 4.8 min

EMS

Placer EMS

Response: 6.3 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-80 Horseshoe Bar Rd King Rd Taylor Rd

Frequently Asked Questions

Does insurance cover barns in Loomis?

Schedule outbuildings separately; add liability for animals.

How much is insurance?

$1,280 avg. Add $500-$2,200 wildfire, $700-$2,800 EQ.

Wildfire?

30% in high interface zones.

Flood?

5% in FEMA zones.

Highest risk?

East Loomis, King Rd, rural estates.

Data Sources

Protect Your Loomis Home Today

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