7099 Lucas Valley Road
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: very high.
- Flood
- Very high
- Wildfire
- Very high
- Earthquake
- Very high
- Landslide
- Very high
- 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
- FloodVery high
In FEMA flood zone A, a Special Flood Hazard Area where flood insurance is typically required.
- WildfireVery high
Spread modeling, fuel, defensible space
- EarthquakeVery high
Fault proximity, soils, liquefaction
- LandslideVery high
Slope, soil type, precipitation triggers
Flood zone A: 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
- Strong fire protection (PPC 3)
Factors to plan for
- Wildfire risk: Very High
- Flood risk: Very High
- Earthquake risk: Very 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
- 1929
- Public records
- Construction
- —
- Flood zone
- A
- FEMA
- Roof
- —
- Living area
- 891 sq ft
- Public records
- Rebuild cost
- $862,000
- 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.