461 2nd St
Insurability
How is this calculated?Easy to insure
This home looks broadly insurable in the standard market. Key factors: earthquake risk: high and built 1907 (~119 yrs).
- Earthquake
- High
- Wind / hail, flood, 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
- FloodLow
FEMA zones, elevation, historical inundation
- WildfireLow
Spread modeling, fuel, defensible space (regional estimate)
- EarthquakeHigh
Fault proximity, soils, liquefaction
- LandslideLow
Slope, soil type, precipitation triggers
What carriers will see
Working in its favor
- Strong fire protection (PPC 1)
- Outside the high-risk flood area (zone X)
Factors to plan for
- Earthquake risk: High
- Built 1907 (~119 yrs)
- Pre-1950 home with no electrical-update permit on record — knob-and-tube wiring likely; verify
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
- 1907
- Public records
- Construction
- wood
- Public records
- Flood zone
- X
- FEMA
- Roof
- —
- Living area
- 510 sq ft
- Public records
- Rebuild cost
- $1,606,000
- Underwrite estimate
Do you live here?
Claim this home and stay ahead of your insurance
Save the report, get alerts when something changes that affects your coverage, a reminder before renewal, and a match with a local broker who can place it.
Free account · No spam
Brokers who place coverage in California
Verified local brokers who handle homes with this kind of risk.
Check another address
See the risk for any home before you buy or insure it.
Listing this home? Put its insurability read on your listing page or site.
The insurability read is an estimate of insurance availability from available property and regional data, not a guarantee of coverage, pricing or eligibility.