251 Highland Road
Insurability
How is this calculated?Easy to insure
This home looks broadly insurable in the standard market. Key factors: wildfire risk: high and earthquake risk: high.
- Wildfire
- High
- Earthquake
- High
- Flood
- Moderate
- Landslide
- Moderate
- Wind / hail
- Low
Free · won't change any coverage
Five perils at this address
Risk ratings are an indicator, not an inspection or quote.
- Wind / hailLow
Coastal exposure, storm paths, roof vulnerability
- FloodModerate
FEMA zones, elevation, historical inundation
- WildfireHigh
Spread modeling, fuel, defensible space
- EarthquakeHigh
Fault proximity, soils, liquefaction
- LandslideModerate
Slope, soil type, precipitation triggers
What carriers will see
Working in its favor
- Strong fire protection (PPC 2)
- Roof ~1 yrs old
Factors to plan for
- Wildfire risk: High
- Earthquake risk: High
- Pre-1950 home with no electrical-update permit on record — knob-and-tube wiring likely; verify
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
- 1948
- Public records
- Construction
- —
- Flood zone
- X
- FEMA
- Roof
- —
- Living area
- 1,296 sq ft
- Public records
- Rebuild cost
- $911,000
- 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.