Yuba City skyline

🏠 Yuba City Home Insurance

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

55%
In Flood Zones
95%
Behind Levees
55%
In Flood Zones
95%
Behind Levees
40 mi
From Fault
28%
Have Inundation Coverage
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⚠️ ATTENTION YUBA CITY HOMEOWNERS: 55% of Yuba City in FEMA flood zones – levee breach could submerge entire city!

Major Insurance Risks in Yuba City

🌊 Levee & Flood Risk

HIGH RISK

95% behind Feather River levees; 55% in FEMA zones.

⚠️ River Levee Breach NFIP excludes levee failure. Private inundation policy required.
$350M
Annual Potential
55%
FEMA Zones
$600-$2,500
NFIP
$800-$3,500
Levee Premium
28%
Have Inundation

Highest Risk Areas:

South Yuba City Tierra Buena River Valley Downtown

Don’t Sink in the Valley

Breach could destroy $498K home. Get levee coverage.

Get Levee Quote

πŸ”’ Agricultural Theft Risk

MEDIUM RISK

Orchards and equipment theft in rural suburbs.

⚠️ Farm Equipment Theft Increase personal property & farm structures.
25%
Above Regional Avg
$6,200
Avg Claim

Highest Risk Areas:

Live Oak Blvd East Onstott Rural Subdivisions

Secure Your Ag Property

Add $400-$1,800 for farm theft.

Get Ag Theft Quote

πŸ’° Underinsurance Risk

HIGH RISK

Construction $295+/sq ft; rapid suburban growth.

πŸ’Έ Rebuild Gap $110K+ shortfall.
$295+
per Sq Ft
32%
Cost Rise

Update Limits

Protect $498K home.

Check Coverage

⚑ Earthquake Risk

LOW RISK

40 miles from faults.

⚑ Low Seismic EQ optional.
$12M
Damage

Low-Cost EQ

Add for $350/yr.

Get EQ Quote

πŸ”₯ Wildfire Risk

LOW RISK

Low wildfire risk.

πŸ”₯ Low Fire Standard coverage.
$8M
Potential

Basic Fire

Included in HO.

Review Policy

Yuba City by the Numbers

$498K
Median Home
$1,080
Premium
71,000
Population
58.3%
Ownership

Why Yuba City Needs Specialized Insurance

About Yuba City

Location

Sutter County
Sacramento Valley

Founded

1849 – Gold Rush & Ag
Feather River

Population

71,000 residents in 20,286 households

Income

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

Neighboring Cities

Marysville
Live Oak
Olivehurst
Linda
Gridley

Service Area

ZIP Codes: 95991, 95992, 95993
Area Codes: 530

Geographic Insights

Elevation

59

Fault Distance

40 miles to Foothill Fault

Flood Zone Percentage

55%

Wildfire Hazard

Low

Emergency Services

Police

Yuba City PD

Response: 5.8 min

Fire

Yuba City Fire

Response: 5.3 min

EMS

Bi-County EMS

Response: 6.8 min

ISO Rating

ISO 3

Nearby Hospitals

Emergency Evacuation Routes

Hwy 99 Hwy 20 Feather River Blvd Bogues Blvd

Frequently Asked Questions

Does flood insurance cover levee failure in Yuba City?

No – private inundation policy required for levee breach.

How much is insurance?

$1,080 avg. Add $600-$2,500 flood, $800-$3,500 levee.

Ag theft?

25% above avg in rural areas.

Levee risk?

95% of city behind Feather River levees.

Highest flood risk?

South Yuba City, Tierra Buena, riverfront.

Data Sources

Protect Your Yuba City Home Today

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

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