Rancho Murieta skyline

🏠 Rancho Murieta Home Insurance

Protect Your $798,200 Home from Rancho Murieta’s Biggest Risks

12 mi
From Bear Mtn Fault
35%
In High Wildfire Zones
12 mi
From Bear Mtn Fault
35%
In High Wildfire Zones
15%
In Flood Zones
85%
Gated Homes
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⚠️ ATTENTION RANCHO MURIETA HOMEOWNERS: 88.9% homeownership in gated luxury community – underinsurance risk on $798K+ homes!

Major Insurance Risks in Rancho Murieta

πŸ”₯ Wildfire Risk

HIGH RISK

35% in high hazard zones near oak woodlands.

⚠️ Foothill Interface Add comprehensive wildfire endorsements.
$75M
Annual Potential
35%
High Hazard
65%
30-yr Prob

Highest Risk Areas:

North Gate South Gate Golf Course Perimeter Cosumnes River

Defend Your Estate

Cleanup $150K+. Get protected.

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πŸ’° Underinsurance Risk

HIGH RISK

Luxury homes $450+/sq ft rebuild.

πŸ’Έ Rebuild Gap $250K+ shortfall.
$450+
per Sq Ft
38%
Cost Rise
$250K+
Gap

Update Limits

Protect $798K home.

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⚑ Earthquake Risk

MEDIUM RISK

12 miles from Bear Mountain Fault.

⚑ Seismic Risk EQ recommended.
$35M
Damage
$700-$2,500
Premium

Quake Protection

Add for $700/yr.

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🌊 Flood Risk

MEDIUM RISK

15% near Cosumnes River.

🌊 River Flood NFIP in zones.
$20M
Potential
$500-$2,000
Premium

Flood Option

Coverage from $500/yr.

Get Flood Quote

πŸ”’ Theft Risk

LOW RISK

Gated community reduces theft.

πŸ”’ Low Theft Standard coverage.
85%
Gated

Gated Discount

Save up to 15%.

Review Policy

Rancho Murieta by the Numbers

$798K
Median Home
$1,380
Premium
~10K
Gated Pop
88.9%
Ownership

Why Rancho Murieta Needs Specialized Insurance

About Rancho Murieta

Location

Sacramento County
Sierra Foothills

Founded

1970 – Gated Golf Community
Cosumnes River

Population

5,500 residents in 1,571 households

Income

Median: $128,200 | Average: $178,300

Neighboring Cities

Sloughhouse
Wilton
Ione
Plymouth
El Dorado Hills

Service Area

ZIP Codes: 95683
Area Codes: 916, 279

Geographic Insights

Elevation

167

Fault Distance

12 miles to Bear Mountain Fault

Flood Zone Percentage

15%

Wildfire Hazard

High

Emergency Services

Police

Sacramento Sheriff

Response: 6.0 min

Fire

Cosumnes Fire

Response: 5.5 min

EMS

Sacramento EMS

Response: 7.0 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 16 Jackson Rd Murieta Dr Murieta Pkwy

Frequently Asked Questions

Do gated communities in Rancho Murieta get insurance discounts?

Yes – up to 15% for security and low crime.

How much is insurance?

$1,380 avg. Add $600-$2,500 wildfire, $700-$2,500 EQ.

Wildfire?

35% in high hazard zones.

Underinsurance?

$250K+ gap at $450+/sq ft.

Highest risk?

Golf course perimeter, Cosumnes River.

Data Sources

Protect Your Rancho Murieta Home Today

Get comprehensive insurance coverage that actually protects your $798,200 home.

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