26723 Merced Lane
Insurability
How is this calculated?Moderate
This home is generally insurable, though it may take some shopping among carriers. Key factors: wildfire risk: very high and newer construction (built 2008).
- Wildfire
- Very high
- Flood
- Moderate
- Earthquake
- 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
- WildfireVery high
Spread modeling, fuel, defensible space
- EarthquakeModerate
Fault proximity, soils, liquefaction
- LandslideModerate
Slope, soil type, precipitation triggers
What carriers will see
Working in its favor
- Newer construction (built 2008)
- Outside the high-risk flood area (zone X)
Factors to plan for
- Wildfire risk: Very 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
- 2008
- Public records
- Construction
- frame
- Public records
- Flood zone
- X
- FEMA
- Roof
- composition_shingle
- Public records
- Living area
- 1,750 sq ft
- Public records
- Rebuild cost
- $1,277,000
- 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.