ZIP Code Risk Report · CA

95815 Climate & Property Risk Report

Free address-level climate risk context for 95815 in Sacramento, California. Flood, wildfire, hurricane, earthquake, and heat — with insurance estimates and buyer guidance.

Sacramento, California 95815, United States

Data retrieved: Jun 18, 2026 at 10:50 UTC

Overall Risk

Above the national median (top 33%)

County-level composite

Est. Annual Insurance

$1,558 – $3,117

Directional range

Premium Strain

1.75% of median income

moderate

Flood Insurance

Not required

Parcel falls outside SFHA

Insurance Market Context

These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.

Market Pressure

SEVERE

California's admitted-carrier market is severely contracted. A broker who specializes in last-resort coverage (FAIR Plan / Citizens) is essential.

Admitted Market Share

52%

Carriers exiting at 9.8% YoY in California.

Residual Market

$3,200–$8,500

annual · last-resort
FAIR Plan / Citizens exposure up 424% since 2020.

Premium Strain Index

Insurance is roughly 1.8% of median household income — manageable but worth budgeting for.

Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $1,558 to $3,117. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.

Not an insurance quote. These figures are derived from public state Department of Insurance filings and are intended to surface market pressure signals. Actual premiums depend on parcel-specific underwriting factors and carrier availability. Consult a licensed insurance broker for a binding quote.

Sacramento County Hazard Breakdown

Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).

Bottom 20% nationally (81th percentile)

Hurricane

Minimal

Around the national median (48th percentile)

Earthquake

Moderate

Below the national median (71th percentile)

Extreme Heat

Low

Above the national median (top 40%)

Flood

Moderate

Above the national median (top 32%)

Wildfire

Substantial

Hazard

Risk Level

Score · Source

Hurricane

Bottom 20% nationally (81th percentile)· NOAA

Earthquake

Around the national median (48th percentile)· USGS

Extreme Heat

Below the national median (71th percentile)· NOAA

Flood

Above the national median (top 40%)· FEMA

Wildfire

Above the national median (top 32%)· USDA

What each hazard means for you

Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.

Hurricane Risk

Bottom 20% nationallyMinimal

Federal hurricane data unavailable; score is a seed estimate.

NOAA · National Risk Index (HRCN)

Earthquake Risk

Around the national medianModerate

USGS PGA: 0.223g at this location. NRI county data unavailable.

USGS · Design Maps (ASCE 7-16) + NRI

Extreme Heat

Below the national medianLow

NRI heat risk: Below the national median (69th percentile). NWS 7-day forecast: max 98°F, 3 day(s) ≥95°F.

NOAA · NWS Gridded Forecast + NRI

Flood Risk

Above the national median (top 40%)Moderate

Federal flood data unavailable for this location; score is a seed estimate.

FEMA · National Risk Index

Wildfire Risk

Above the national median (top 40%)Substantial

Federal wildfire data unavailable; score is a seed estimate.

USDA · National Risk Index

Lower-risk alternatives nearby

Communities within 25 miles of California 95815 with a measurably lower composite climate risk. Useful as a comp set when evaluating whether to negotiate on this address or pivot to a nearby one.

Paradise, CA

Top 10% nationally

8 miles away

FEMA Flood Zone

Is this specific parcel in a Special Flood Hazard Area?

The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.

Run a free address lookup

Carrier Outlook

California's admitted-carrier market is severely contracted. A broker who specializes in last-resort coverage (FAIR Plan / Citizens) is essential.

Connect with a broker who writes in CA

Data Sources

FEMA NRINOAAUSGSUSDAEPA

Data Sources & Methodology

FEMA— National Risk Index

Retrieved June 18, 2026

View source

NOAA— National Risk Index (HRCN)

Retrieved June 18, 2026

View source

USDA— National Risk Index

Retrieved June 18, 2026

View source

USGS— Design Maps (ASCE 7-16) + NRI

Retrieved June 18, 2026

View source

NOAA— NWS Gridded Forecast + NRI

Retrieved June 18, 2026

View source

View full methodology

What buyers should know

Buying in 95815: a risk primer

Before you write an offer on a home in Sacramento, understand how climate and insurance costs affect long-term ownership in 95815.

95815 in Sacramento, California, scores above the national median (top 40%) on our composite climate-risk index. That ranking reflects the combined influence of wildfire exposure (68), flood risk (60), and earthquake shaking risk (52) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.

The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.

Wildfire risk in 95815

The wildfire exposure score for 95815 is 68 (high), which is above the national median. 95815 sits in or adjacent to a high wildfire hazard zone. In California, this affects both insurance availability and utility-side public safety power shutoff (PSPS) risk. Buyers should confirm the parcel's defensible space, roof class, and whether the neighborhood has a FireWise USA designation.

For a specific address inside 95815, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.

Flood risk in 95815

The flood risk score for 95815 is 60 (moderate), which is around or slightly above the national median. Parts of 95815 carry moderate flood exposure driven by rainfall-driven ponding or nearby creek flooding. Even outside the SFHA, lenders do not require flood insurance unless the parcel is mapped in Zone A/AE, but we still recommend a flood quote before closing.

Earthquake risk in 95815

The earthquake shaking risk score for 95815 is 52 (moderate), which is around or slightly above the national median. 95815 has moderate earthquake exposure. Most homeowners policies exclude earthquake damage here, so buyers should price a standalone earthquake policy or rider and verify whether the home is bolted to the foundation and has a cripple-wall retrofit.

Insurance is where climate risk becomes a monthly payment. In 95815, our directional estimate for a standard homeowners policy plus required hazard coverage is $1,558 – $3,117 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.

Relative to local incomes, that premium range equals approximately 1.75% of the Sacramento County median household income — a moderate premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.

Buyer action items

Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes wildfire exposure, flood risk, and earthquake shaking risk. Do this before the inspection contingency expires.
Add a climate contingency to the purchase agreement. Our free California-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
Order hazard-specific inspections if the top risks warrant it. In 95815, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.

Frequently asked questions

Ready to underwrite 95815?

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Full Report

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12-page address-level deep dive delivered in minutes.

Five-hazard score breakdown (flood, wildfire, hurricane, earthquake, heat)
30-year federal climate projections (FEMA, NOAA, USGS, EPA)
Insurance premium estimate (range) based on state DOI filings
Clear buy / negotiate / walk-away verdict, not a single ambiguous score
3 comparable lower-risk neighborhoods within 25 miles
Saves you 6+ hours of digging through FEMA, NFIP, NRI and NOAA on your own
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Federal data: FEMA, USGS, NOAA, USDA, EPA

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Tier L3

$99per property

Adds parcel-level flood evaluation, state insurance-market context, claim history, and a negotiation brief on top of the $19 report.

Everything in the $19 Full Report
Parcel-level FEMA flood zone + BFE considerations (point-in-polygon)
State insurance market pressure + admitted-carrier density
Premium Strain Index (% of county median income, vs. 5% unaffordable line)
10-year NOAA Storm Events claim history for the ZIP
Negotiation leverage brief with 3-5 specific, evidence-backed asks
Optional free connection to a licensed independent broker in your state
Saves you from discovering an uninsurable address after you've gone under contract
Removes guesswork on what to ask for in repairs, credits, or price reduction
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Free contract templates for California buyers

Download free climate-risk contingency addendums written for California purchase agreements. Add wildfire, flood, or earthquake contingencies to your offer.

Browse free templates