870 Market Street
Insurability
How is this calculated?Difficult
Insuring this home will likely require a specialty or surplus-lines carrier or some mitigation. Key factors: flood risk: very high and earthquake risk: very high.
- Flood
- Very high
- Earthquake
- Very 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
FEMA zones, elevation, historical inundation
- WildfireLow
Spread modeling, fuel, defensible space (regional estimate)
- EarthquakeVery high
Fault proximity, soils, liquefaction
- LandslideLow
Slope, soil type, precipitation triggers
Flood zone X, but flood risk is very 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 1)
- Outside the high-risk flood area (zone X)
Factors to plan for
- 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
- —
- Construction
- —
- Flood zone
- X
- FEMA
- Roof
- —
- Living area
- —
- Rebuild cost
- —
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.