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🏠 Sutter Creek Home Insurance

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

10 mi
From Melones Fault
38%
In High Wildfire Zones
10 mi
From Melones Fault
38%
In High Wildfire Zones
8%
In Flood Zones
50%
Pre-1960 Homes
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⚠️ ATTENTION SUTTER CREEK HOMEOWNERS: 50% of Sutter Creek homes pre-1960 – historic rebuild coverage essential!

Major Insurance Risks in Sutter Creek

🏛️ Historic Rebuild Risk

HIGH RISK

50% homes pre-1960; ordinance coverage needed.

💸 Gold Rush Rebuild Add ordinance or law.
50%
Pre-1960
$340+
per Sq Ft
35%
Have Ordinance

Highest Risk Areas:

Main St Eureka St Historic District Old Town

Preserve Your Heritage

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

Get Historic Quote

🔥 Wildfire Risk

HIGH RISK

38% in high hazard zones.

⚠️ Foothill Fire Add comprehensive wildfire.
$40M
Annual Potential
38%
High Hazard

Highest Risk Areas:

North Sutter Creek Ridge Rd Foothill Areas

Defend Your Historic Home

Cleanup $85K+. Get protected.

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⚡ Earthquake Risk

MEDIUM RISK

10 miles from Melones Fault.

⚡ Seismic Risk EQ recommended.
$25M
Damage
$700-$2,500
Premium

Quake Protection

Add for $700/yr.

Get EQ Quote

💰 Underinsurance Risk

HIGH RISK

Construction $340+/sq ft.

💸 Rebuild Gap $125K+ shortfall.
$340+
per Sq Ft

Update Limits

Protect $498K home.

Check Coverage

🌊 Flood Risk

LOW RISK

8% near Sutter Creek.

🌊 Creek Flood NFIP in zones.
$8M
Potential

Flood Option

Coverage from $500/yr.

Get Flood Quote

Sutter Creek by the Numbers

$498K
Median Home
$1,280
Premium
~10K
Region Pop
65.9%
Ownership

Why Sutter Creek Needs Specialized Insurance

About Sutter Creek

Location

Amador County
Gold Country

Founded

1851 – Gold Rush
Historic Main St

Population

2,500 residents in 714 households

Income

Median: $58,200 | Average: $81,200

Neighboring Cities

Jackson
Ione
Plymouth
Amador City
Volcano

Service Area

ZIP Codes: 95685
Area Codes: 209

Geographic Insights

Elevation

1194

Fault Distance

10 miles to Melones Fault

Flood Zone Percentage

8%

Wildfire Hazard

High

Emergency Services

Police

Sutter Creek PD

Response: 6.0 min

Fire

Amador Fire

Response: 6.2 min

EMS

Amador EMS

Response: 7.8 min

ISO Rating

ISO 4

Nearby Hospitals

Emergency Evacuation Routes

Hwy 49 Hwy 88 Ridge Rd Sutter Ione Rd

Frequently Asked Questions

Do historic homes in Sutter Creek need special insurance?

Yes – add ordinance coverage for pre-1960 rebuild.

How much is insurance?

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

Wildfire?

38% in high hazard zones.

Historic?

50% pre-1960 homes.

Highest risk?

Main St, Eureka St, foothill areas.

Data Sources

Protect Your Sutter Creek Home Today

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

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