Sonora skyline

🏠 Sonora Home Insurance

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

3 mi
From Melones Fault
42%
In High Wildfire Zones
3 mi
From Melones Fault
42%
In High Wildfire Zones
10%
In Flood Zones
18%
Have EQ Coverage
Get Free Quote Now
⚠️ ATTENTION SONORA HOMEOWNERS: 42% of Sonora in very high wildfire zones – historic homes need specialized rebuild coverage!

Major Insurance Risks in Sonora

Fire Wildfire Risk

HIGH RISK

42% in very high hazard zones with pine and oak.

Warning Mother Lode Fire Add comprehensive wildfire endorsements.
$38M
Annual Potential
42%
High Hazard
72%
30-yr Prob

Highest Risk Areas:

Jamestown Columbia East Sonora Foothills

Protect Gold Country

Cleanup $85K+. Get protected.

Get Wildfire Quote

Building Historic Rebuild Risk

HIGH RISK

Gold Rush-era homes require replacement cost for period materials.

Warning Historic Rebuild Add ordinance or law coverage.
35%
Homes Pre-1950
$450+
per Sq Ft
45%
Have Ordinance Coverage

Highest Risk Areas:

Downtown Sonora Washington St Historic District

Preserve Your History

Add $500-$2,000 for historic rebuild.

Get Historic Quote

Earthquake Earthquake Risk

HIGH RISK

3 miles from Melones Fault; high shaking.

Earthquake Active Fault Separate EQ coverage.
$35M
Damage
$700-$2,800
Premium
18%
Coverage

Quake Protection

Add for $700/yr.

Get EQ Quote

Money Underinsurance Risk

MEDIUM RISK

Construction $310+/sq ft.

Money Bag Rebuild Gap $110K+ shortfall.
$310+
per Sq Ft

Update Limits

Protect $498K 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 $500/yr.

Get Flood Quote

Sonora by the Numbers

$498K
Median Home
$1,280
Premium
5,000
Population
58.9%
Ownership

Why Sonora Needs Specialized Insurance

About Sonora

Location

Tuolumne County
Sierra Foothills

Founded

1848 – Gold Rush
Mother Lode

Population

5,000 residents in 1,429 households

Income

Median: $58,200 | Average: $88,200

Neighboring Cities

Jamestown
Columbia
Tuolumne
Angels Camp
Soulsbyville

Service Area

ZIP Codes: 95370
Area Codes: 209

Geographic Insights

Elevation

1790

Fault Distance

3 miles to Melones Fault

Flood Zone Percentage

10%

Wildfire Hazard

Very High

Emergency Services

Police

Tuolumne Sheriff

Response: 6.5 min

Fire

Tuolumne Fire

Response: 6.0 min

EMS

Tuolumne EMS

Response: 8.0 min

ISO Rating

ISO 4

Nearby Hospitals

Emergency Evacuation Routes

Hwy 108 Hwy 49 Mono Way Jamestown Rd

Frequently Asked Questions

Is earthquake insurance required in Sonora?

No, but 3 miles from Melones Fault – highly recommended.

How much is insurance?

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

Historic homes?

Add ordinance coverage for period materials.

Wildfire?

42% in very high zones.

Highest risk?

Jamestown, Columbia, east Sonora.

Data Sources

Protect Your Sonora Home Today

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

Start Your Free Quote Now

Takes only 2 minutes | No obligation | 100% secure