(916) 365-4988 Get Free Quote
South Lake Tahoe skyline

🏠 South Lake Tahoe Home Insurance

Protect Your $698,200 Home from South Lake Tahoe’s Biggest Risks

12 mi
From Genoa Fault
35%
In High Wildfire Zones
12 mi
From Genoa Fault
35%
In High Wildfire Zones
100+ in
Annual Snow
25%
Have EQ Coverage
Get Free Quote Now
⚠️ ATTENTION SOUTH LAKE TAHOE HOMEOWNERS: 100+ inches of snow annually – roof collapse and wildfire risk threaten alpine homes!

Major Insurance Risks in South Lake Tahoe

Snowflake Snow Load Risk

HIGH RISK

100+ inches annual snow; roof collapse in older cabins.

Warning Alpine Snow Weight Increase dwelling limits.
100+
Annual Snow (in)
$35K
Avg Claim

Highest Risk Areas:

Heavenly Stateline Older Cabins Bijou

Snow-Proof Your Cabin

Add $500-$2,000 for snow weight.

Get Snow Quote

Fire Wildfire Risk

HIGH RISK

35% in high interface zones with pine forests.

Warning Sierra Interface Fire Add comprehensive wildfire endorsements.
$55M
Annual Potential
35%
High Hazard

Highest Risk Areas:

Myers Christmas Valley Cascade Montgomery Estates

Defend Against Flames

Cleanup $110K+. Get protected.

Get Wildfire Quote

Earthquake Earthquake Risk

MEDIUM RISK

12 miles from Genoa Fault.

Earthquake Seismic Risk Separate EQ coverage.
$28M
Damage
$700-$2,800
Premium
25%
Coverage

Quake Protection

Add for $700/yr.

Get EQ Quote

Money Underinsurance Risk

HIGH RISK

Construction $380+/sq ft; tourism homes.

Money Bag Rebuild Gap $160K+ shortfall.
$380+
per Sq Ft

Update Limits

Protect $698K home.

Check Coverage

Flood Flood Risk

LOW RISK

8% in zones near lake and creeks.

Flood Lake Flood NFIP in zones.
$12M
Potential

Flood Option

Coverage from $500/yr.

Get Flood Quote

South Lake Tahoe by the Numbers

$698K
Median Home
$1,380
Premium
22,000
Population
52.3%
Ownership

Why South Lake Tahoe Needs Specialized Insurance

About South Lake Tahoe

Location

El Dorado County
Sierra Nevada

Founded

1860 – Comstock & Tourism
Emerald Bay

Population

22,000 residents in 6,286 households

Income

Median: $68,200 | Average: $103,300

Neighboring Cities

Stateline NV
Zephyr Cove NV
Meyers
Tahoe City
Truckee

Service Area

ZIP Codes: 96150, 96151, 96152
Area Codes: 530

Geographic Insights

Elevation

6255

Fault Distance

12 miles to Genoa Fault

Flood Zone Percentage

8%

Wildfire Hazard

High

Emergency Services

Police

South Lake Tahoe PD

Response: 5.8 min

Fire

Lake Valley Fire

Response: 5.3 min

EMS

El Dorado EMS

Response: 7.0 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 50 Hwy 89 Pioneer Trail Emerald Bay Rd

Frequently Asked Questions

Does insurance cover roof collapse from snow?

Add snow weight coverage – 100+ inches common.

How much is insurance?

$1,380 avg. Add $500-$2,000 snow, $600-$2,500 wildfire.

Wildfire?

35% in high interface zones.

Earthquake?

12 miles from Genoa Fault.

Highest snow risk?

Heavenly, Stateline, older cabins.

Data Sources

Protect Your South Lake Tahoe Home Today

Get comprehensive insurance coverage that actually protects your $698,200 home.

Start Your Free Quote Now

Takes only 2 minutes | No obligation | 100% secure