151 Queen St
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 wind/hail risk: very high.
- Wind / hail
- Very high
- Flood
- Very high
- Wildfire
- Moderate
- Earthquake
- Moderate
- Landslide
- Low
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Five perils at this address
Risk ratings are an indicator, not an inspection or quote.
- Wind / hailVery high
Coastal exposure, storm paths, roof vulnerability
- FloodVery high
In FEMA flood zone AE, a Special Flood Hazard Area where flood insurance is typically required.
- WildfireModerate
Spread modeling, fuel, defensible space (regional estimate)
- EarthquakeModerate
Fault proximity, soils, liquefaction
- LandslideLow
Slope, soil type, precipitation triggers (regional estimate)
Flood zone AE: a high-risk flood area. Mortgage lenders usually require flood insurance here, and standard home policies don't cover flood.
What carriers will see
Working in its favor
- Newer construction (built 2020)
- Durable concrete tile roof
Factors to plan for
- Flood risk: Very High
- Wind/hail risk: Very High
- Special Flood Hazard Area (zone AE)
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
- 2020
- Public records
- Construction
- —
- Flood zone
- AE
- FEMA
- Roof
- —
- Living area
- 3,754 sq ft
- Public records
- Rebuild cost
- $2,053,000
- 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.