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🏠 Modesto Home Insurance

Protect Your $428,700 Home from Modesto’s Biggest Risks

25%
In Flood Zones
20%
Theft Above Avg
25%
In Flood Zones
20%
Theft Above Avg
32 mi
From Fault
38%
Have Flood Coverage
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⚠️ ATTENTION MODESTO HOMEOWNERS: 25% of Modesto in FEMA flood zones – urban heat islands accelerate roof and AC wear!

Major Insurance Risks in Modesto

Flood Flood Risk

HIGH RISK

25% in FEMA zones along Tuolumne River and Dry Creek; urban flooding during storms.

Warning River & Urban Flood HO excludes flood. NFIP required.
$110M
Annual Potential
25%
FEMA Zones
$550-$2,300
Premium
38%
Have Coverage

Highest Risk Areas:

Airport District Shackelford Tuolumne River South Modesto Crows Landing

Stay Dry in the Valley

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

Get Flood Quote

Lock Theft & Urban Risk

HIGH RISK

High population density and retail hubs increase residential and auto theft.

Warning Urban Theft Hotspot Increase personal property and add identity theft.
20%
Above Avg
$4,800
Avg Claim
52%
Have Security

Highest Risk Areas:

Downtown Vintage Faire McHenry Ave Apartments Retail Corridors

Lock Down Your Home

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

Get Theft Quote

Money Underinsurance Risk

MEDIUM RISK

Construction $275+/sq ft; mixed-age homes.

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

Update Limits

Protect $429K home.

Check Coverage

Thermometer Heat Risk

MEDIUM RISK

Valley heat damages roofs and HVAC.

Warning Heat Wear Add equipment breakdown.
42
Days >100°F
$3,500
AC Claim

Cool Coverage

Add $15-$30/mo.

Get Heat Quote

Earthquake Earthquake Risk

LOW RISK

32 miles from faults.

Earthquake Low Seismic EQ optional.
$15M
Damage

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Modesto by the Numbers

$429K
Median Home
$1,080
Premium
223,000
Population
54.1%
Ownership

Why Modesto Needs Specialized Insurance

About Modesto

Location

Stanislaus County
Central Valley

Founded

1870 – Railroad Hub
Archway City

Population

223,000 residents in 63,714 households

Income

Median: $68,200 | Average: $91,200

Neighboring Cities

Ceres
Turlock
Riverbank
Salida
Oakdale

Service Area

ZIP Codes: 95350, 95351, 95354, 95355, 95356, 95357
Area Codes: 209

Geographic Insights

Elevation

89

Fault Distance

32 miles to Ortigalita Fault

Flood Zone Percentage

25%

Wildfire Hazard

Low

Emergency Services

Police

Modesto PD

Response: 5.5 min

Fire

Modesto Fire

Response: 5.0 min

EMS

Stanislaus EMS

Response: 6.5 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 99 Hwy 132 McHenry Ave Briggsmore Ave

Frequently Asked Questions

Is flood insurance required in Modesto?

Yes in 25% FEMA zones near Tuolumne River.

How much is insurance?

$1,080 avg. Add $550-$2,300 flood, $300-$1,200 theft.

AC from heat?

Add equipment breakdown.

Theft?

20% above avg.

Highest flood?

Airport District, Shackelford, Tuolumne River.

Data Sources

Protect Your Modesto Home Today

Get comprehensive insurance coverage that actually protects your $428,700 home.

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