4120 Morgan Territory Road

Clayton, CA 945173,552 sq ft · Built 1985

Aerial of 4120 Morgan Territory Rd, Clayton, CA 94517, USA

Insurability

Moderate

EasyVery difficult

This home is generally insurable, though it may take some shopping among carriers. Key factors: weak fire protection (ppc 10) and wildfire risk: high.

Wildfire: High
Earthquake: High
Flood: Moderate
Landslide: Moderate
Wind / hail: 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
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

Masonry/non-combustible construction
Roof ~5 yrs old

Factors to plan for

Weak fire protection (PPC 10)
Wildfire 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: 1985; Public records
Construction: —
Flood zone: —
Roof: —
Living area: 3,552 sq ft; Public records
Rebuild cost: $2,760,000; 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.