27857 Evergreen Way
Insurability
How is this calculated?Difficult
Insuring this home will likely require a specialty or surplus-lines carrier or some mitigation. Key factors: wildfire risk: very high and flood risk: high.
- Wildfire
- Very high
- Flood
- High
- 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
- FloodHigh
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
- Strong fire protection (PPC 2)
- Newer construction (built 2022)
- Outside the high-risk flood area (zone X)
Factors to plan for
- Wildfire risk: Very High
- Flood risk: High
- High replacement cost may require specialty/high-value markets
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
- 2022
- Public records
- Construction
- —
- Flood zone
- —
- Roof
- —
- Living area
- 2,620 sq ft
- Public records
- Rebuild cost
- $1,559,000
- 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.