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🏠 Placerville Home Insurance

Protect Your $548,200 Home from Placerville’s Biggest Risks

12 mi
From Melones Fault
40%
In High Wildfire Zones
12 mi
From Melones Fault
40%
In High Wildfire Zones
10%
In Flood Zones
28%
Have EQ Coverage
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⚠️ ATTENTION PLACERVILLE HOMEOWNERS: 40% of Placerville in high wildfire zones – historic wood-frame homes extremely vulnerable!

Major Insurance Risks in Placerville

Fire Wildfire Risk

HIGH RISK

40% in high wildfire zones with pine, oak, and steep terrain.

Warning Historic Foothill Fire Add comprehensive coverage for debris and smoke.
$55M
Annual Potential
40%
High Hazard
72%
30-yr Prob
25%
Full Coverage

Highest Risk Areas:

West Placerville Green Valley Rd Foothills Historic District

Save Hangtown

Cleanup $95K+. Get protected.

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Castle Historic Home Risk

HIGH RISK

Gold Rush-era homes; high rebuild and code upgrade costs.

Warning Code Upgrade Gap Add ordinance or law coverage.
45%
Pre-1960 Homes
$90K
Avg Upgrade Cost
38%
Have Ordinance Coverage

Highest Risk Areas:

Downtown Main St Cedar Ravine

Preserve History

Add $600-$2,500 for code upgrades.

Get Historic Quote

Earthquake Earthquake Risk

MEDIUM RISK

12 miles from Melones Fault.

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

Quake Protection

Add for $700/yr.

Get EQ Quote

Money Underinsurance Risk

HIGH RISK

Construction $310+/sq ft.

Money Bag Rebuild Gap $130K+ shortfall.
$310,310+
per Sq Ft

Update Limits

Protect $548K home.

Check Coverage

Flood Flood Risk

LOW RISK

10% in zones near creeks.

Flood Creek Flood NFIP in zones.
$8M
Potential

Flood Option

Coverage from $400/yr.

Get Flood Quote

Placerville by the Numbers

$548K
Median Home
$1,280
Premium
11,000
Population
58.9%
Ownership

Why Placerville Needs Specialized Insurance

About Placerville

Location

El Dorado County
Sierra Foothills

Founded

1848 – Gold Rush Capital
Hangtown

Population

11,000 residents in 3,143 households

Income

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

Neighboring Cities

Diamond Springs
Camino
Shingle Springs
El Dorado Hills
Pollock Pines

Service Area

ZIP Codes: 95667
Area Codes: 530

Geographic Insights

Elevation

1868

Fault Distance

12 miles to Melones Fault

Flood Zone Percentage

10%

Wildfire Hazard

High (SRA)

Emergency Services

Police

Placerville PD

Response: 5.7Combined

Fire

El Dorado County Fire

Response: 5.3 min

EMS

El Dorado EMS

Response: 7.0 min

ISO Rating

ISO 4

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 Hwy 49 Broadway Forni Rd

Frequently Asked Questions

Does insurance cover historic rebuild?

Add ordinance for code upgrades (avg $90K).

How much is insurance?

$1,280 avg. Add $600-$2,500 wildfire, $700-$2,800 EQ.

Wildfire?

40% in high zones.

Flood?

10% in FEMA zones.

Highest risk?

West Placerville, Green Valley Rd, historic district.

Data Sources

Protect Your Placerville Home Today

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