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🏠 Turlock Home Insurance

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

25%
In Flood Zones
45 mi
From Fault
25%
In Flood Zones
45 mi
From Fault
35%
Have Flood Coverage
58%
Have Security
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⚠️ ATTENTION TURLOCK HOMEOWNERS: 25% of Turlock in flood zones – irrigation canals overflow during storms!

Major Insurance Risks in Turlock

Flood Flood Risk

HIGH RISK

25% in zones near Turlock Irrigation District canals and Tuolumne River.

Warning Canal & River Flood NFIP required in zones.
$85M
Annual Potential
25%
FEMA Zones
$600-$2,500
Premium
35%
Have Coverage

Highest Risk Areas:

West Turlock Denair Keyes Canal Dr Geer Rd

Don’t Drown in the Valley

Claims $55K+. Coverage from $600/yr.

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Lock Urban Theft Risk

MEDIUM RISK

College town and retail increase burglary.

Warning Ag Town Theft Increase personal property.
22%
Above Regional Avg
$4,800
Avg Claim
58%
Have Security

Highest Risk Areas:

CSU Area Downtown Monte Vista Apartments

Lock Down Turlock

Add $300-$1,200 for theft.

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Money Underinsurance Risk

HIGH RISK

Construction $295+/sq ft.

Money Bag Rebuild Gap $110K+ shortfall.
$295+
per Sq Ft
30%
Cost Rise

Update Limits

Protect $498K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

45 miles from faults.

Earthquake Low Seismic EQ optional.
$12M
Damage

Low-Cost EQ

Add for $350/yr.

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Fire Wildfire Risk

LOW RISK

Low wildfire risk.

Fire Low Fire Standard coverage.
$6M
Potential

Basic Fire

Included in HO.

Review Policy

Turlock by the Numbers

$498K
Median Home
$1,080
Premium
75,000
Population
58.9%
Ownership

Why Turlock Needs Specialized Insurance

About Turlock

Location

Stanislaus County
Central Valley

Founded

1871 – Railroad & Ag
CSU Stanislaus

Population

75,000 residents in 21,429 households

Income

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

Neighboring Cities

Modesto
Ceres
Denair
Hilmar
Livingston

Service Area

ZIP Codes: 95380, 95381, 95382
Area Codes: 209

Geographic Insights

Elevation

102

Fault Distance

45 miles to Ortigalita Fault

Flood Zone Percentage

25%

Wildfire Hazard

Low

Emergency Services

Police

Turlock PD

Response: 5.8 min

Fire

Turlock Fire

Response: 5.3 min

EMS

Stanislaus EMS

Response: 6.8 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 99 Geer Rd Taylor Rd Fulkerth Rd

Frequently Asked Questions

Does insurance cover canal flooding in Turlock?

No – NFIP required in 25% flood zones.

How much is insurance?

$1,080 avg. Add $600-$2,500 flood, $300-$1,200 theft.

Theft?

22% above avg near CSU.

Underinsurance?

$110K+ gap at $295+/sq ft.

Highest flood risk?

West Turlock, Denair, canal areas.

Data Sources

Protect Your Turlock Home Today

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