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🏠 Sacramento Home Insurance

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

38%
In Flood Zones
72%
Mature Trees
38%
In Flood Zones
72%
Mature Trees
22 mi
From Fault
35%
Have Flood Coverage
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⚠️ ATTENTION SACRAMENTO HOMEOWNERS: 38% of Sacramento in FEMA flood zones – 100-year levees NOT guaranteed, and tree falls excluded from most policies!

Major Insurance Risks in Sacramento

Flood Flood Risk

HIGH RISK

38% in FEMA zones along American & Sacramento Rivers; levee overtopping and drainage failures.

Warning River & Levee Flood HO excludes flood. NFIP required in zones.
$250M
Annual Potential
38%
FEMA Zones
$600-$2,500
Premium
35%
Have Coverage

Highest Risk Areas:

Natomas Pocket South Sacramento Downtown American River

Don’t Sink in the Capital

Claims $65K+. Coverage from $600/yr.

Get Flood Quote

Tree Tree & Limb Risk

HIGH RISK

Tree City USA with 72% mature trees; high limb fall and root damage.

Warning Urban Tree Liability Increase liability and add tree removal coverage.
72%
Homes with Large Trees
$9,200
Avg Tree Claim
40%
Have Tree Coverage

Highest Risk Areas:

Land Park East Sac Curtis Park Fab 40s Older Neighborhoods

Save Your Roof from Oaks

Add $300-$1,200 for tree removal and liability.

Get Tree Quote

Lock Urban Theft Risk

HIGH RISK

Dense population and nightlife increase burglary, package, and bike theft.

Warning City Theft Hotspot Increase personal property; add identity theft.
28%
Above Regional Avg
$4,800
Avg Claim
55%
Have Security

Highest Risk Areas:

Midtown Downtown Oak Park South Natomas Apartments

Lock Down the Capital

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

Get Theft Quote

Money Underinsurance Risk

HIGH RISK

Construction $295+/sq ft; mixed-age housing.

Money Bag Rebuild Gap $110K+ shortfall.
$295+
per Sq Ft
27%
Cost Rise

Update Limits

Protect $548K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

22 miles from faults.

Earthquake Low Seismic EQ optional.
$35M
Damage
$400-$1,600
Premium

Low-Cost EQ

Add for $400/yr.

Get EQ Quote

Sacramento by the Numbers

$548K
Median Home
$1,180
Premium
528,000
Population
48.9%
Ownership

Why Sacramento Needs Specialized Insurance

About Sacramento

Location

Sacramento County
Sacramento Valley

Founded

1849 – Gold Rush & State Capital
Tree City USA

Population

528,000 residents in 150,857 households

Income

Median: $78,200 | Average: $108,300

Neighboring Cities

West Sacramento
Natomas
Arden-Arcade
Carmichael
Rancho Cordova

Service Area

ZIP Codes: 95811, 95814, 95815, 95816, 95817, 95818, 95819, 95820, 95821, 95822, 95823, 95824, 95825, 95826, 95828, 95829, 95831, 95833, 95834, 95835, 95838, 95841, 95842, 95864
Area Codes: 916, 279

Geographic Insights

Elevation

30

Fault Distance

22 miles to Foothill Fault

Flood Zone Percentage

38%

Wildfire Hazard

Low

Emergency Services

Police

Sacramento PD

Response: 5.6 min

Fire

Sacramento Fire

Response: 5.1 min

EMS

Sacramento EMS

Response: 6.5 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-5 I-80 Hwy 50 Hwy 99 Capitol City Fwy

Frequently Asked Questions

Is flood insurance required in Sacramento?

Yes in 38% FEMA zones near rivers.

How much is insurance?

$1,180 avg. Add $600-$2,500 flood, $300-$1,200 tree/theft.

Does insurance cover fallen trees?

Only if it hits structure. Add tree removal.

Theft in Midtown?

28% above avg – add security.

Highest flood areas?

Natomas, Pocket, South Sac, Downtown.

Data Sources

Protect Your Sacramento Home Today

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