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🏠 Vacaville Home Insurance

Protect Your $648,200 Home from Vacaville’s Biggest Risks

30%
In High Wildfire Zones
25 mi
From Green Valley Fault
30%
In High Wildfire Zones
25 mi
From Green Valley Fault
12%
In Flood Zones
60%
Have Security
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⚠️ ATTENTION VACAVILLE HOMEOWNERS: 30% of Vacaville in high wildfire zones – rapid growth means underinsurance risk!

Major Insurance Risks in Vacaville

Fire Wildfire Risk

HIGH RISK

30% in high hazard zones in Vacaville hills.

Warning Hillside Interface Fire Add comprehensive wildfire endorsements.
$65M
Annual Potential
30%
High Hazard
62%
30-yr Prob

Highest Risk Areas:

North Vacaville Browns Valley Pleasants Valley Hillsides

Defend Your Hillside Home

Cleanup $120K+. Get protected.

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Money Underinsurance Risk

HIGH RISK

Construction $350+/sq ft; new subdivisions.

Money Bag Rebuild Gap $160K+ shortfall.
$350+
per Sq Ft
32%
Cost Rise
$160K+
Gap

Update Limits

Protect $648K home.

Check Coverage

Lock Theft Risk

MEDIUM RISK

Retail and commute hub increase theft.

Warning Gateway Theft Increase personal property.
20%
Above Avg
60%
Have Security

Highest Risk Areas:

Nut Tree Vacaville Premium Outlets New Subdivisions

Secure Your Home

Add $300-$1,200 for theft.

Get Theft Quote

Earthquake Earthquake Risk

MEDIUM RISK

25 miles from Green Valley Fault.

Earthquake Seismic Risk EQ optional but recommended.
$25M
Damage
$500-$2,000
Premium

Low-Cost EQ

Add for $500/yr.

Get EQ Quote

Flood Flood Risk

LOW RISK

12% in zones near creeks.

Flood Creek Flood NFIP in zones.
$18M
Potential

Flood Option

Coverage from $500/yr.

Get Flood Quote

Vacaville by the Numbers

$648K
Median Home
$1,180
Premium
102,000
Population
65.3%
Ownership

Why Vacaville Needs Specialized Insurance

About Vacaville

Location

Solano County
North Bay

Founded

1851 – Ag & Gateway
Nut Tree

Population

102,000 residents in 29,143 households

Income

Median: $98,200 | Average: $128,300

Neighboring Cities

Fairfield
Dixon
Davis
Winters
Suisun City

Service Area

ZIP Codes: 95687, 95688
Area Codes: 707

Geographic Insights

Elevation

174

Fault Distance

25 miles to Green Valley Fault

Flood Zone Percentage

12%

Wildfire Hazard

High (hills)

Emergency Services

Police

Vacaville PD

Response: 5.2 min

Fire

Vacaville Fire

Response: 4.8 min

EMS

Solano EMS

Response: 6.5 min

ISO Rating

ISO 2

Nearby Hospitals

Emergency Evacuation Routes

I-80 I-505 Peña Adobe Rd Vaca Valley Pkwy

Frequently Asked Questions

Is wildfire insurance required in Vacaville?

No, but 30% in high hillside zones – add endorsements.

How much is insurance?

$1,180 avg. Add $600-$2,500 wildfire, $300-$1,200 theft.

Underinsurance?

$160K+ gap due to $350+/sq ft.

Theft?

20% above avg near retail.

Highest wildfire?

North Vacaville, Browns Valley, hillsides.

Data Sources

Protect Your Vacaville Home Today

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