Pollock Pines skyline

🏠 Pollock Pines Home Insurance

Protect Your $498,200 Home from Pollock Pines’s Biggest Risks

15 mi
From Bear Mtn Fault
60%
In High Wildfire Zones
15 mi
From Bear Mtn Fault
60%
In High Wildfire Zones
8%
In Flood Zones
25%
Have Snow Coverage
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⚠️ ATTENTION POLLOCK PINES HOMEOWNERS: 60% of Pollock Pines in very high wildfire zones – heavy snow loads collapse roofs every winter!

Major Insurance Risks in Pollock Pines

Snowflake Snow Load Risk

HIGH RISK

High elevation (3,900+ ft) with 100+ inches annual snow; roof collapse common.

Warning Heavy Snow Collapse Increase dwelling limits; add snow weight endorsement.
100+
Annual Snow (inches)
$35K
Avg Roof Claim
Only 25%
Have Snow Coverage

Highest Risk Areas:

All areas – especially older cabins

Don’t Let Snow Crush Your Home

Add $800-$3,200 for snow weight protection.

Get Snow Quote

Fire Wildfire Risk

HIGH RISK

60% in very high wildfire zones with dense forest and limited access.

Warning Mountain Fire Threat Add guaranteed replacement and debris removal.
$65M
Annual Potential
60%
Very High Hazard
82%
30-yr Prob

Highest Risk Areas:

Forebay Rd Sly Park Pony Express Trail Remote Areas

Defend Your Mountain Home

Cleanup $110K+. Get protected.

Get Wildfire Quote

Earthquake Earthquake Risk

MEDIUM RISK

15 miles from fault; high shaking.

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

Quake Protection

Add for $700/yr.

Get EQ Quote

Money Underinsurance Risk

HIGH RISK

Construction $330+/sq ft; remote.

Money Bag Rebuild Gap $140K+ shortfall.
$330+
per Sq Ft

Update Limits

Protect $498K home.

Check Coverage

Flood Flood Risk

LOW RISK

8% in zones near creeks.

Flood Creek Flash Flood NFIP in zones.
$6M
Potential

Flood Option

Coverage from $400/yr.

Get Flood Quote

Pollock Pines by the Numbers

$498K
Median Home
$1,380
Premium
6,400
Population
78.9%
Ownership

Why Pollock Pines Needs Specialized Insurance

About Pollock Pines

Location

El Dorado County
Sierra Nevada

Founded

1940 – Lumber & Recreation
Sly Park

Population

6,400 residents in 1,829 households

Income

Median: $74,200 | Average: $98,200

Neighboring Cities

Camino
Placerville
Somerset
Grizzly Flats
Kyburz

Service Area

ZIP Codes: 95726
Area Codes: 530

Geographic Insights

Elevation

3937

Fault Distance

15 miles to Bear Mountain Fault

Flood Zone Percentage

8%

Wildfire Hazard

Very High (SRA)

Emergency Services

Police

El Dorado Sheriff

Response: 7.2 min

Fire

El Dorado County Fire

Response: 6.5 min

EMS

El Dorado EMS

Response: 8.5 min

ISO Rating

ISO 5

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 Sly Park Rd Forebay Rd Pony Express Trail

Frequently Asked Questions

Does insurance cover snow collapse?

Only if due to weight – add snow load endorsement.

How much is insurance?

$1,380 avg. Add $800-$3,200 snow, $700-$2,800 wildfire.

Wildfire?

60% in very high zones.

Snow?

100+ inches annually.

Highest risk?

Forebay Rd, Sly Park, remote areas.

Data Sources

Protect Your Pollock Pines Home Today

Get comprehensive insurance coverage that actually protects your $498,200 home.

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