1284 Lanny Lane
Insurability
How is this calculated?Difficult
Insuring this home will likely require a specialty or surplus-lines carrier or some mitigation. Key factors: flood risk: very high and wildfire risk: high.
- Flood
- Very high
- Wildfire
- High
- Earthquake
- High
- Wind / hail, landslide
- Low
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Five perils at this address
Risk ratings are an indicator, not an inspection or quote.
- Wind / hailLow
Coastal exposure, storm paths, roof vulnerability
- FloodVery high
FEMA zones, elevation, historical inundation
- WildfireHigh
Spread modeling, fuel, defensible space
- EarthquakeHigh
Fault proximity, soils, liquefaction
- LandslideLow
Slope, soil type, precipitation triggers
Flood zone X, but flood risk is very high. The home sits outside FEMA's high-risk area, yet modeled flood risk is elevated. Flood isn't covered by standard home policies, so it's worth asking about.
What carriers will see
Working in its favor
- Masonry/non-combustible construction
- Strong fire protection (PPC 2)
- Outside the high-risk flood area (zone X)
Factors to plan for
- Flood risk: Very High
- Wildfire risk: High
- Earthquake risk: High
This Insurability Score is an estimate of insurance availability based on available property and regional data. It is not a guarantee of coverage, pricing, or eligibility. Final eligibility depends on carrier appetite, underwriting review, inspection, and claims history.
Property record
- Year built
- 1959
- Public records
- Construction
- frame
- Public records
- Flood zone
- X
- FEMA
- Roof
- —
- Living area
- 800 sq ft
- Public records
- Rebuild cost
- $554,000
- Underwrite estimate
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The insurability read is an estimate of insurance availability from available property and regional data, not a guarantee of coverage, pricing or eligibility.