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🏠 Truckee Home Insurance

Protect Your $998,200 Home from Truckee’s Biggest Risks

15 mi
From Dog Valley Fault
45%
In High Wildfire Zones
15 mi
From Dog Valley Fault
45%
In High Wildfire Zones
300+ in
Annual Snow
28%
Have EQ Coverage
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⚠️ ATTENTION TRUCKEE HOMEOWNERS: 300+ inches of snow annually – roof collapse and wildfire threaten $1M+ alpine homes!

Major Insurance Risks in Truckee

Snowflake Snow Load Risk

HIGH RISK

300+ inches annual snow; roof collapse in cabins and chalets.

Warning Extreme Alpine Snow Add snow weight endorsement.
300+
Annual Snow (in)
$45K
Avg Claim
55%
Have Snow Coverage

Highest Risk Areas:

Donner Lake Tahoe Donner Glenshire Older Cabins

Snow-Proof Your Chalet

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

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Fire Wildfire Risk

HIGH RISK

45% in high interface zones with dense pine.

Warning Sierra Interface Fire Add comprehensive wildfire endorsements.
$85M
Annual Potential
45%
High Hazard
70%
30-yr Prob

Highest Risk Areas:

Prosser Martis Valley Northstar Forest Areas

Defend Against Flames

Cleanup $150K+. Get protected.

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Earthquake Earthquake Risk

MEDIUM RISK

15 miles from Dog Valley Fault.

Earthquake Seismic Risk Separate EQ coverage.
$38M
Damage
$700-$3,200
Premium
28%
Coverage

Quake Protection

Add for $700/yr.

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Money Underinsurance Risk

HIGH RISK

Construction $450+/sq ft; luxury alpine homes.

Money Bag Rebuild Gap $250K+ shortfall.
$450+
per Sq Ft
35%
Cost Rise

Update Limits

Protect $998K home.

Check Coverage

Flood Flood Risk

LOW RISK

8% in zones near Truckee River.

Flood River Flood NFIP in zones.
$15M
Potential

Flood Option

Coverage from $500/yr.

Get Flood Quote

Truckee by the Numbers

$998K
Median Home
$1,480
Premium
17,000
Population
72.3%
Ownership

Why Truckee Needs Specialized Insurance

About Truckee

Location

Nevada County
Sierra Nevada

Founded

1863 – Railroad & Timber
Donner Pass

Population

17,000 residents in 4,857 households

Income

Median: $108,200 | Average: $158,300

Neighboring Cities

Tahoe City
Kings Beach
Reno NV
Soda Springs
Donner Lake

Service Area

ZIP Codes: 96161, 96162
Area Codes: 530

Geographic Insights

Elevation

5817

Fault Distance

15 miles to Dog Valley Fault

Flood Zone Percentage

8%

Wildfire Hazard

High

Emergency Services

Police

Truckee PD

Response: 5.5 min

Fire

Truckee Fire

Response: 5.0 min

EMS

Tahoe Forest EMS

Response: 7.0 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-80 Hwy 89 Donner Pass Rd Hwy 267

Frequently Asked Questions

Does insurance cover roof collapse from snow in Truckee?

Add snow weight coverage – 300+ inches common.

How much is insurance?

$1,480 avg. Add $500-$2,000 snow, $600-$2,500 wildfire.

Wildfire?

45% in high interface zones.

Earthquake?

15 miles from Dog Valley Fault.

Highest snow risk?

Donner Lake, Tahoe Donner, older cabins.

Data Sources

Protect Your Truckee Home Today

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