28673 Live Oak Road
Insurability
How is this calculated?Moderate
This home is generally insurable, though it may take some shopping among carriers. Key factors: wildfire risk: high and flood risk: high.
- Flood
- 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
- FloodHigh
FEMA zones, elevation, historical inundation
- WildfireHigh
Spread modeling, fuel, defensible space
- EarthquakeHigh
Fault proximity, soils, liquefaction
- LandslideLow
Slope, soil type, precipitation triggers
Flood zone D, but flood risk is 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
- Strong fire protection (PPC 2)
Factors to plan for
- Wildfire risk: High
- Flood 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
- 1961
- Public records
- Construction
- frame
- Public records
- Flood zone
- D
- FEMA
- Roof
- wood_shingle
- Public records
- Living area
- 2,306 sq ft
- Public records
- Rebuild cost
- $1,337,000
- 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.