90 Charles Street
Insurability
How is this calculated?Easy to insure
This home looks broadly insurable in the standard market. Key factors: flood risk: high and built 1899 (~127 yrs).
- Flood
- High
- Wind / hail
- Moderate
- Wildfire, earthquake, landslide
- Low
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Five perils at this address
Risk ratings are an indicator, not an inspection or quote.
- Wind / hailModerate
Coastal exposure, storm paths, roof vulnerability
- FloodHigh
FEMA zones, elevation, historical inundation
- WildfireLow
Spread modeling, fuel, defensible space (regional estimate)
- EarthquakeLow
Fault proximity, soils, liquefaction
- LandslideLow
Slope, soil type, precipitation triggers
Flood zone X, but flood risk is 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
- Outside the high-risk flood area (zone X)
Factors to plan for
- Flood risk: High
- Built 1899 (~127 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
- —
- Construction
- —
- Flood zone
- X
- FEMA
- Roof
- —
- Living area
- —
- Rebuild cost
- $2,035,000
- 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.