Northern California Flood Insurance

California Flood Insurance Information

Even though flood insurance is relatively inexpensive,
most California homeowners do not choose to
purchase the insurance protection available. According
to the Federal Insurance Administration, less than one-
quarter of the homes in areas most vulnerable are
insured against flood loss. In those areas, flooding is
24 times more likely to occur than a fire during the
course of a typical 30 year mortgage.

A standard California homeowners insurance policy will
not cover damages caused by flooding. You must have
flood insurance from an insurer that writes for the
National Flood Insurance Program. If your community
participates in a floodplain management program, you
should be eligible to buy the coverage no matter if your
flood risk is low, medium or high. Residents of "coastal
barrier areas" and communities that do not participate
in floodplain management programs may have trouble
finding flood insurance coverage. California flood
insurance is also available to renters,
condominium owners, and co-op owners.

Flood Perils Include:

A general and temporary condition of partial or complete inundation of
two or more acres of normally dry land area or of two or more
properties at least one of which is yours from:

Collapse or subsidence of land along the shore of a lake or similar body
of water as a result of erosion or undermining caused by waves or
currents of water exceeding anticipated cyclical levels that result in flood
as defined above

Unusual & rapid accumulation of runoff or surface waters from any
source that result in a flood as defined above

Overflow of inland or tidal waters that result in a flood as defined above

Mudflow defined as a river of liquid and flowing mud on the surfaces of
normally dry land areas, as when earth is carried by a current of water
that result in a flood as defined above

Outside of fire, flooding is the most widespread natural disaster. According
to the National Flood Insurance Program, two adjacent properties have to
be under water to call the situation a flood. In a rural area, at least 2 acres
must be submerged.

The two primary types of California Flood Insurance Policies are listed below.

The value of property as figured by determining the cost to replace the damaged or
destroyed property and adjusting the replacement value by subtracting an amount
that reflects depreciation. Or in other words, replacement cost minus
depreciation. Homeowners are entitled to a replacement cost value if they live in
their homes at least 80% of the time and have flood insurance coverage for at least
80% of their home's market value.

For example, if rebuilding your home will cost $250,000, but you only purchased
$200,000 in coverage, your insurance policy will pay you only $200,000.

California has special flood insurance concerns. Be prepared! Click on the link
below to fill out a secure quote request form for a lower cost California Flood
Insurance policy that will provide excellent insurance coverage for your home at
an more affordable premium rate. Or you can speak with our northern California
Flood Insurance specialist at (530) 864-5859 to discuss the features.

Click here to fill out a

California Flood Insurance

quote request form

We are a Placerville, CA insurance agency offering affordable California flood
insurance policy coverage in the following towns, cities and counties in
northern California: Diamond Springs, Camino, Smithflat, Coloma, Somerset,
Outingdale, Omo Ranch, Pacific House, Pollock Pines, Grizzly Flats, River
Pines, Kelsey, Garden Valley, Cameron Park, Shingle Springs, Plymouth,
Dorado Hills, Rescue, Lotus, Pilot Hill, Hidden Valley, Cool, Georgetown,
Greenwood, Auburn, Loomis, Penryn, Newcastle, Bowman, Clipper Gap,
Applegate, Foresthill, Weimar, Colfax, Iowa Hill, Gold Run, Baxter, Dutch Flat,
Vista, Meadow, Kyburz, Twin Bridges, Fiddletown, Volcano, Pine Grove,
Pioneer, Kit Carson, Sutter Creek, Ione, Amador City, West Point, Wilseyville,
Camp Connell, Jackson, Sacramento, Dorado, Folsom, Orangevale, Citrus
Heights, Fair Oaks, Carmichael, Rancho Cordova, Roseville, Rocklin, Arcade,
North Highlands, West Sacramento, Rosemont, Davis, Woodland, Placer
County, Amador County, Sacramento County, Yuba County, Calaveras
County, Alpine County, and El Dorado County, CA. We also offer low cost
California flood insurance policy coverage rates throughout the Golden state,
including in San Francisco, Oakland, Stockton, and San Jose, CA.

Actual Cash Value Policy

Commercial and apartment buildings will be covered only for actual cash value.

Replacement Value Policy

The amount it costs to replace or rebuild a damaged property. Replacement cost
coverage is available only for the building portion of a condominium insurance
policy. Owners of single-family homes may be able to buy replacement cost
coverage on the building portions of their flood insurance policies. A California
flood insurance replacement value policy will pay only the replacement value up to
the coverage limit providing the following conditions are met:

1. the insured building is a single-family dwelling

2. the insured dwelling is your primary residence, meaning you live there at
least 80% of the year

3. the insured dwelling coverage is at least 80% of the current full
replacement cost of the dwelling, or the dwelling limit is the maximum
allowed for the dwelling under the current NFIP guidelines

To review the Federal Emergency Management Agency's
Flood Maps for your property...click HERE!

**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.