North Highlands skyline

🏠 North Highlands Home Insurance

Protect Your $348,200 Home from North Highlands’s Biggest Risks

22%
In Flood Zones
28%
Theft Above Avg
22%
In Flood Zones
28%
Theft Above Avg
25 mi
From Fault
32%
Have Flood Coverage
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⚠️ ATTENTION NORTH HIGHLANDS HOMEOWNERS: 28% higher theft rate in North Highlands – older homes need updated coverage!

Major Insurance Risks in North Highlands

Lock Theft Risk

HIGH RISK

High urban density and retail proximity increase burglary and auto theft.

Warning Suburban Theft Hotspot Increase personal property and add security endorsements.
28%
Above Avg
$4,600
Avg Claim
45%
Have Security

Highest Risk Areas:

Watt Ave Walerga Rd Apartments Retail Zones

Secure Your Home

Add $300-$1,200 for theft.

Get Theft Quote

House Older Home Risk

HIGH RISK

Post-war homes with outdated systems increase claims.

Warning Aging Systems Add actual cash value or extended replacement.
65%
Pre-1980 Homes
$16K
Avg Plumbing Claim

Highest Risk Areas:

Central North Highlands Older Subdivisions

Update Your Policy

Add $200-$800 for older systems.

Get Older Home Quote

Flood Flood Risk

MEDIUM RISK

22% in zones near creeks.

Flood Urban Flood NFIP in zones.
$35M
Potential
22%
FEMA Zones
$500-$2,100
Premium

Flood Option

Coverage from $500/yr.

Get Flood Quote

Money Underinsurance Risk

MEDIUM RISK

Construction $255+/sq ft.

Money Bag Rebuild Gap $75K+ shortfall.
$255+
per Sq Ft

Update Limits

Protect $348K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

25 miles from faults.

Earthquake Low Seismic EQ optional.
$10M
Damage

Low-Cost EQ

Add for $300/yr.

Get EQ Quote

North Highlands by the Numbers

$348K
Median Home
$1,050
Premium
47,000
Population
52.3%
Ownership

Why North Highlands Needs Specialized Insurance

About North Highlands

Location

Sacramento County
Sacramento Valley

Founded

1950 – Post-War Suburb
McClellan Park

Population

47,000 residents in 13,429 households

Income

Median: $55,200 | Average: $75,200

Neighboring Cities

Citrus Heights
Antelope
Foothill Farms
Rio Linda
Carmichael

Service Area

ZIP Codes: 95660
Area Codes: 916, 279

Geographic Insights

Elevation

95

Fault Distance

25 miles to Foothill Fault

Flood Zone Percentage

22%

Wildfire Hazard

Low

Emergency Services

Police

Sacramento Sheriff

Response: 5.6 min

Fire

Sacramento Metro Fire

Response: 5.1 min

EMS

Sacramento EMS

Response: 6.4 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-80 Walerga Rd Watt Ave Elkhorn Blvd

Frequently Asked Questions

Is flood insurance required?

Yes in 22% FEMA zones.

How much is insurance?

$1,050 avg. Add $500-$2,100 flood, $300-$1,200 theft.

Older home?

Add actual cash value.

Theft?

28% above avg.

Highest theft?

Watt Ave, Walerga Rd.

Data Sources

Protect Your North Highlands Home Today

Get comprehensive insurance coverage that actually protects your $348,200 home.

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