Manteca skyline

🏠 Manteca Home Insurance

Protect Your $582,300 Home from Manteca’s Biggest Risks

30%
In Flood Zones
18%
Theft Above Avg
30%
In Flood Zones
18%
Theft Above Avg
30 mi
From Fault
40%
Have Flood Coverage
Get Free Quote Now
⚠️ ATTENTION MANTECA HOMEOWNERS: 30% of Manteca in FEMA flood zones – rapid growth increases underinsurance risk!

Major Insurance Risks in Manteca

Flood Flood Risk

HIGH RISK

30% in FEMA zones along San Joaquin River and canals; levee and urban drainage issues.

Warning River & Urban Flood HO excludes flood. NFIP required.
$70M
Annual Potential
30%
FEMA Zones
$550-$2,300
Premium
40%
Have Coverage

Highest Risk Areas:

South Manteca Union Rd Lathrop Border New Subdivisions Canals

Stay Dry in Growth

Claims $50K+. Coverage from $550/yr.

Get Flood Quote

Lock Theft & Growth Risk

HIGH RISK

Rapid population growth and new subdivisions increase residential burglary and package theft.

Warning Growth Theft Hotspot Increase personal property; add identity theft.
18%
Above Avg
$4,500
Avg Claim
55%
Have Security

Highest Risk Areas:

New Subdivisions Union Rd Lathrop Rd Retail Corridors

Secure New Homes

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

Get Theft Quote

Money Underinsurance Risk

HIGH RISK

Construction $295+/sq ft; new homes.

Money Bag Rebuild Gap $110K+ shortfall.
$295+
per Sq Ft
27%
Cost Rise
$110K+
Gap

Update Limits

Protect $582K home.

Check Coverage

Wind Wind Risk

MEDIUM RISK

Valley winds damage roofs and solar.

Wind Wind Damage Add windstorm.
$12M
Potential

Wind Protection

Repairs $10K+.

Get Wind Quote

Earthquake Earthquake Risk

LOW RISK

30 miles from faults.

Earthquake Low Seismic EQ optional.
$15M
Damage
$350-$1,400
Premium

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Manteca by the Numbers

$582K
Median Home
$1,120
Premium
89,000
Population
66.7%
Ownership

Why Manteca Needs Specialized Insurance

About Manteca

Location

San Joaquin County
Central Valley

Founded

1861 – Railroad Junction
Crossroads of CA

Population

89,000 residents in 25,429 households

Income

Median: $89,200 | Average: $118,300

Neighboring Cities

Tracy
Lathrop
Ripon
Stockton
Escalon

Service Area

ZIP Codes: 95336, 95337
Area Codes: 209

Geographic Insights

Elevation

36

Fault Distance

30 miles to Midland Fault

Flood Zone Percentage

30%

Wildfire Hazard

Low

Emergency Services

Police

Manteca PD

Response: 5.3 min

Fire

Manteca Fire

Response: 4.9 min

EMS

San Joaquin EMS

Response: 6.4 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-5 Hwy 99 Hwy 120 Lathrop Rd Union Rd

Frequently Asked Questions

Is flood insurance required in Manteca?

Yes in 30% FEMA zones near river.

How much is insurance?

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

Theft in new areas?

18% above avg – add security.

Wind?

Add windstorm.

Highest flood?

South Manteca, Union Rd, near river.

Data Sources

Protect Your Manteca Home Today

Get comprehensive insurance coverage that actually protects your $582,300 home.

Start Your Free Quote Now

Takes only 2 minutes | No obligation | 100% secure