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🏠 West Sacramento Home Insurance

Protect Your $548,200 Home from West Sacramento’s Biggest Risks

45%
In Flood Zones
90%
Behind Levees
45%
In Flood Zones
90%
Behind Levees
28 mi
From Fault
32%
Have Inundation Coverage
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⚠️ ATTENTION WEST SACRAMENTO HOMEOWNERS: 45% of West Sacramento in FEMA flood zones – levee failure NOT covered by standard flood insurance!

Major Insurance Risks in West Sacramento

Flood Levee & Flood Risk

HIGH RISK

90% behind Sacramento River levees; 45% in FEMA zones.

Warning River Levee Breach NFIP excludes levee failure. Private policy required.
$250M
Annual Potential
45%
FEMA Zones
$600-$2,500
NFIP
$800-$3,500
Levee Premium
32%
Have Inundation

Highest Risk Areas:

Southport Riverbend Bridgeway Port Area

Don’t Sink by the River

Breach could destroy $548K home. Get inundation coverage.

Get Levee Quote

Lock Urban Theft Risk

HIGH RISK

Port, industrial, and urban density increase theft.

Warning River City Theft Increase personal property.
28%
Above Regional Avg
$5,000
Avg Claim

Highest Risk Areas:

Old West Sac Bryte Industrial Areas Apartments

Lock Down West Sac

Add $300-$1,200 for theft.

Get Theft Quote

Money Underinsurance Risk

MEDIUM RISK

Construction $295+/sq ft.

Money Bag Rebuild Gap $110K+ shortfall.
$295+
per Sq Ft

Update Limits

Protect $548K home.

Check Coverage

Earthquake Earthquake Risk

LOW RISK

28 miles from faults.

Earthquake Low Seismic EQ optional.
$15M
Damage

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

Fire Wildfire Risk

LOW RISK

Low wildfire risk.

Fire Low Fire Standard coverage.
$7M
Potential

Basic Fire

Included in HO.

Review Policy

West Sacramento by the Numbers

$548K
Median Home
$1,180
Premium
53,000
Population
55.3%
Ownership

Why West Sacramento Needs Specialized Insurance

About West Sacramento

Location

Yolo County
Sacramento Valley

Founded

1848 – River Port
Tower Bridge

Population

53,000 residents in 15,143 households

Income

Median: $78,200 | Average: $108,300

Neighboring Cities

Sacramento
Davis
Woodland
Clarksburg
Bryte

Service Area

ZIP Codes: 95605, 95691
Area Codes: 916, 279

Geographic Insights

Elevation

20

Fault Distance

28 miles to Foothill Fault

Flood Zone Percentage

45%

Wildfire Hazard

Low

Emergency Services

Police

West Sacramento PD

Response: 5.6 min

Fire

West Sacramento Fire

Response: 5.1 min

EMS

Yolo EMS

Response: 6.5 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

I-80 Hwy 50 Jefferson Blvd Harbor Blvd

Frequently Asked Questions

Does flood insurance cover levee failure in West Sacramento?

No – private inundation policy required.

How much is insurance?

$1,180 avg. Add $600-$2,500 flood, $800-$3,500 levee.

Theft?

28% above avg in port areas.

Levee risk?

90% of city behind levees.

Highest risk?

Southport, Riverbend, port areas.

Data Sources

Protect Your West Sacramento Home Today

Get comprehensive insurance coverage that actually protects your $548,200 home.

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