35625 BEACH RD
Insurability
How is this calculated?Moderate
This home is generally insurable, though it may take some shopping among carriers. Key factors: flood risk: very high and coastal high-hazard flood zone (ve).
- Flood
- Very high
- Earthquake
- High
- Wind / hail, wildfire, landslide
- 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
- FloodVery high
In FEMA flood zone VE, a Special Flood Hazard Area where flood insurance is typically required.
- WildfireLow
Spread modeling, fuel, defensible space
- EarthquakeHigh
Fault proximity, soils, liquefaction
- LandslideLow
Slope, soil type, precipitation triggers
Flood zone VE: 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
- Masonry/non-combustible construction
- Strong fire protection (PPC 3)
- Durable clay tile roof
Factors to plan for
- Flood risk: Very High
- Coastal high-hazard flood zone (VE)
- 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
- 2001
- Public records
- Construction
- —
- Flood zone
- VE
- FEMA
- Roof
- —
- Living area
- 3,283 sq ft
- Public records
- Rebuild cost
- $2,692,000
- 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.