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🏠 Stockton Home Insurance

Protect Your $448,200 Home from Stockton’s Biggest Risks

55%
In Flood Zones
95%
Behind Levees
55%
In Flood Zones
95%
Behind Levees
38 mi
From Fault
30%
Have Inundation Coverage
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⚠️ ATTENTION STOCKTON HOMEOWNERS: 55% of Stockton in FEMA flood zones – standard flood insurance does NOT cover levee failure!

Major Insurance Risks in Stockton

Flood Levee & Flood Risk

HIGH RISK

95% behind Delta levees; 55% in FEMA zones. Breach risk catastrophic.

Warning Catastrophic Levee Breach NFIP excludes levee failure. Private policy required.
$350M
Annual Potential
55%
FEMA Zones
$600-$2,500
NFIP
$800-$3,500
Levee Premium
30%
Have Inundation

Highest Risk Areas:

Entire City Downtown South Stockton Weston Ranch Delta Islands

Don’t Trust the Levee

Breach could destroy $448K home. Get inundation coverage.

Get Levee Quote

Lock Urban Theft Risk

HIGH RISK

High population density and retail increase burglary and auto theft.

Warning Port City Theft Increase personal property and add identity theft.
35%
Above Regional Avg
$5,200
Avg Claim
48%
Have Security

Highest Risk Areas:

Downtown Pacific Ave Weston Ranch Apartments Retail

Lock Down Stockton

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

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Money Underinsurance Risk

MEDIUM RISK

Construction $285+/sq ft.

Money Bag Rebuild Gap $100K+ shortfall.
$285+
per Sq Ft

Update Limits

Protect $448K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

38 miles from faults.

Earthquake Low Seismic EQ optional.
$18M
Damage

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Fire Wildfire Risk

LOW RISK

Low wildfire risk.

Fire Low Fire Standard coverage.
$8M
Potential

Basic Fire

Included in HO.

Review Policy

Stockton by the Numbers

$448K
Median Home
$1,080
Premium
322,000
Population
50.3%
Ownership

Why Stockton Needs Specialized Insurance

About Stockton

Location

San Joaquin County
Central Valley

Founded

1849 – Gold Rush Port
Delta Gateway

Population

322,000 residents in 92,000 households

Income

Median: $68,200 | Average: $91,200

Neighboring Cities

Lodi
Manteca
Tracy
Lathrop
French Camp

Service Area

ZIP Codes: 95202, 95203, 95204, 95205, 95206, 95207, 95209, 95210, 95212, 95215, 95219
Area Codes: 209

Geographic Insights

Elevation

13

Fault Distance

38 miles to Ortigalita Fault

Flood Zone Percentage

55%

Wildfire Hazard

Low

Emergency Services

Police

Stockton PD

Response: 6.0 min

Fire

Stockton Fire

Response: 5.5 min

EMS

San Joaquin EMS

Response: 7.2 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-5 Hwy 99 Hwy 4 Charter Way March Ln

Frequently Asked Questions

Does flood insurance cover levee failure?

No – private inundation policy required.

How much is insurance?

$1,080 avg. Add $600-$2,500 flood, $800-$3,500 levee.

Theft?

35% above avg – add security.

Levee risk?

95% of city behind levees.

Highest risk?

Entire city – especially south and west.

Data Sources

Protect Your Stockton Home Today

Get comprehensive insurance coverage that actually protects your $448,200 home.

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