ZipCheckup grade for 95969: A.

No federal data flags a major home-safety concern for this ZIP.

Monitoring Violations
A 100

Paradise, CA (95969): 1 Violation - 100/100

EPA data for Paradise Irrigation District

The directly mapped accepted EPA record for 95969 in Paradise, CA contains 1 recorded violations for inclusive record years 2021 through 2026; 0 are marked health-based. The detailed table preserves each published federal category instead of treating every other record as a monitoring violation.

Data source: U.S. Environmental Protection Agency (EPA) SDWIS

Based on EPA Drinking Water FEMA Flood Data U.S. Census CDC Energy Information Admin. USGS Water Data & 9 more federal sources
Safety Snapshot: Fair
AQI 40 Violations: None Alerts: 2
2026-08-30
Your water right now: 1 non-health violation on record
AQI: 40 (Good) 2 weather alerts Lead: 1.6 ppb
Updated: 2026-08-30
Safety Score
A 100/100
Water Quality Concerns 1 violation (non-health)
Lead Risk Safe 0.002 mg/L
NFIP Claim History Claim records 3 claims
Data confidence: High (direct measurement) Medium (sampled / sub-geography) Low (modeled / inferred) Methodology →

At a Glance

  • Water EPA records show 1 violation (non-health) on the water system serving this ZIP (5-year window).
  • Lead Lead reading of 0.002 mg/L is well below EPA action level.
  • Radon EPA Zone 3 - lower county-level potential, not evidence of a low home result.
  • Flood 3 cumulative NFIP claim records. Claim evidence is historical, not current map coverage.
Contaminant Summary
MCL Exceeded
1 violation
Report data assembled: Jul 27, 2026 EPA water-system identity: source date or period is not present in ZipCheckup's accepted source record EPA violation history: outside its expected update cycle Lead, copper and UCMR measurements: source date or period is not present in ZipCheckup's accepted source record Consumer Confidence Report: source date or period is not present in ZipCheckup's accepted source record AirNow observation: more than two update cycles old

What’s Happening in Paradise, California

No significant water quality or safety concerns have been reported for this area. The safety score is stable.

A
Home Safety Score: 100 / 100
Better than 88% of U.S. ZIP codes
2
Water Systems
9,142
People Served
0
Health Violations (5yr)
Surface water
Water Source
0.00155 mg/L
Lead Level
Zone 3
Radon Risk · Low
$420K
Median Home Value33% below state median ($629K)

Recommended Buyer Guides for This ZIP

Independent guides - grounded in EPA, NSF, FEMA, and CDC standards. Matched to risks detected in your area.

This Summer - what to check

Season-specific maintenance for home safety. Universal tasks - apply everywhere unless noted.

  • Water Heater

    Flush sediment (1–2×/year). Cuts energy use and prevents bacterial growth in low-use hot-water pockets.

    Source: DOE
  • Wildfire & Smoke

    Clear leaves and debris from gutters and the 30-ft home-ignition zone. Replace HVAC filters with MERV 13+.

    Source: Firewise
  • HVAC Filter

    Peak AC run. Replace filters monthly during high pollen / wildfire-smoke days; standard interval otherwise.

    Source: EPA IAQ

Get notified when water quality changes in your area

Free alerts when new EPA data affects ZIP code 95969. No spam - just safety updates.

Unsubscribe anytime. We only send updates when your safety score changes. See our Privacy Policy.

Share Your Home Safety Score

Tip: You can also screenshot the card above to share it as an image.

Home Safety Score: better than 88% of U.S. ZIP codes

How Paradise Compares

Safety Score vs. Butte County and California averages

Safety Score
Paradise
100
Butte County
85
California avg
76
Better than 78% of ZIPs in Butte County 51% fewer violations than California average
Metric Paradise Butte County California
Safety Score 100 85 76
EPA Violations (total) 1 1.1 2
Lead (ppb) 1.6 1.9 2.5

County and state averages computed from 41,345 ZIP codes. Data: EPA SDWIS.

🔴
Critical Risk Signals
Multiple high-priority conditions detected - action recommended

Each number below connects you directly to a licensed specialist contractor in your area. Calls are free.

Local electricity rate: 35.25¢/kWh - above national average

Median home age: 56 years - likely lower energy efficiency

Potential annual savings: 15–30% ($555–$1110)

What to do Get a home energy audit. Focus on insulation, air sealing, and HVAC upgrade for the highest ROI on energy savings.
Estimated cost: $200–$500 for energy audit, 15–30% annual savings potential

Score Breakdown

Overall Home Safety Score: 100/100

This is the published model score. Component and domain values are shown independently; they are not added together on this page.

Canonical components

EPA water compliance
98/100
Observed
PFAS MCL screen
100/100
Observed
EPA radon zone
100/100
Observed
Annual EPA AirData AQI
100/100
Observed

Required domains

Drinking water
99/100
Indoor environment
100/100
Outdoor environment
100/100

Coverage: 4 of 4 components and 3 of 3 domains observed.

Model 4.0.0; series home-safety-v4-cross-vertical.

Safety & Health (7) MODERATE

Compliance Alerts for 95969

2 issues flagged based on EPA data, state regulations, and housing age estimates.

Lead Pipes
Action Needed
High probability of lead service lines. Test water and consider filter.
Electrical Panels
Monitor
FPE/Zinsco panel risk - 59

Estimates based on EPA data, U.S. Census ACS housing vintage, and state regulations. Individual homes may vary.

📊 EPA + Census ACS + State Regs · Updated March 2026

Compliance Risk Forecast

Probability of future drinking water violations based on historical patterns, enforcement trends, and system size.

Medium Risk ▼ Declining trend

21% probability of new violation within 2 years

1-Year 11%
2-Year 21%
3-Year 30%

Based on 0.12 events/year rate. Model uses Poisson distribution with trend and system-size adjustments.

Your Water System

ZIP code 95969 in Paradise, California is served by Paradise Irrigation District (EPA ID: CA0410007). This system provides water to approximately 9,142 people from surface water sources.

There are 2 community water systems serving this area.

Home Safety Score: A (100/100)

Model 4.0.0 combines EPA water-compliance history, the PFAS MCL screen, EPA radon zone, and annual EPA Air Quality Index data. A score is published only when every required domain is observed. This score is better than 88% of ZIP codes nationally and 87% in California.

Factor Status Details
Water Quality warning 1 violation, 0 health-based
Lead in Water safe 0.00155 mg/L (EPA action level: 0.015 mg/L)
Radon Risk Low Zone 3
Gas Safety low 1 incidents, score 0/100
Wildfire Smoke high score 49/100, 16 county fires (5yr)
Earthquake Risk Relatively Moderate score 20.7/50
Superfund NPL Very Low nearest 19.1 mi (Western Pacific Railroad Co.), 0 sites within 10 km

Lead & Copper in Your Water

The EPA requires water systems to monitor lead and copper levels under the Lead and Copper Rule.

Metal Measured Level EPA Action Level Status Sample Date
Lead 0.00155 mg/L 0.015 mg/L Within limit N/A
Copper Action-level exceedance on record 1.3 mg/L Exceeds action level N/A
How to read the copper row. EPA records a result under the copper CU90 code only when a system's 90th-percentile copper is at or above the 1.3 mg/L action level, so this row reflects an action-level exceedance on record, not a routine measurement. EPA transmits no verified unit of measure for this code, so no copper concentration is shown. A system with no copper record has not been shown to be clean: non-exceedance copper results are optional to report for systems serving 3,300 people or fewer.

Radon Risk

Radon Zone 3 - Lower county-level potential (Butte County)

EPA Zone 3 indicates lower county-level radon potential, not a low result for a home. Testing is needed before any threshold comparison.

CO & Gas Safety

Gas Distribution Risk: Low (score: 0/100)

1 gas distribution incident recorded in this county since 2004. Most recent: 2018.

The CPSC recommends CO detectors on every level of your home. Have gas appliances inspected annually by a licensed technician.

Wildfire & Smoke Risk

Smoke Risk: High (score: 49/100)

16 wildfires recorded in this county over the past 5 years. Nearest recent wildfire: 9 km (6 miles).

Monitor air quality at AirNow.gov during fire season (June–November). A HEPA air purifier can reduce indoor PM2.5 by up to 80% during smoke events.

Earthquake & Seismic Risk

Risk Rating: Relatively Moderate (score: 20.7/50)

Metric Value
Risk Score 20.7
Risk Rating Relatively Moderate
Annual Frequency 0.0052 damaging events/yr
Expected Annual Loss $17.0M (Relatively Moderate)

Monitor seismic activity at the USGS Earthquake Map. Secure heavy furniture, maintain an emergency kit, and know your gas shutoff location.

Superfund Site Proximity

Proximity Risk: Very Low (score: 7/100)

Nearest NPL site: Western Pacific Railroad Co. at 19.1 miles (30.7 km).

Radius NPL Sites
Within 5 km (3.1 mi) 0
Within 10 km (6.2 mi) 0
Within 25 km (15.5 mi) 0

Nearest NPL Sites

  • Western Pacific Railroad Co. - 19.1 mi (Deleted), listed 08/30/1990

Search nearby sites at the EPA Superfund Site Search. If you garden or use well water near an NPL site, consider soil and water testing.

Violation Summary

1 non-health-based EPA violation record in inclusive record years 2021 through 2026. Statuses include 1 resolved, 0 archived, 0 addressed, and 0 unaddressed.

Recent Violations

Date Contaminant Type Status
July 1, 2022 Consumer Confidence Report Rule Monitoring Resolved

Contaminants Detected

The following contaminants have been flagged in EPA records for water systems serving this ZIP code:

Contaminant Category Violations Health-Based
Consumer Confidence Report Rule Reporting 1 No

Energy Costs in CA

Residential electricity rate: 35.25¢/kWh - 107% above the national average (17.0¢/kWh).

High electricity rates in California make energy-efficient appliances and heat pumps particularly valuable for reducing utility bills.

Energy Sources

California generates 53.6% of its electricity from renewable sources - 27% above the national average of 26.9%. Including nuclear, 62.2% of the state's power is carbon-free (EIA 2025).

Source Share
Natural gas 35.6%
Solar 27%
Hydroelectric 13.5%
Nuclear 8.5%
Wind 7.9%
Geothermal 5.2%

Need help with your water quality?

Typical cost: Water test: typically $20–$50 (DIY kit) · Professional inspection: $150–$400

Find the Right Water Filter

Free tip: Let cold water run for 2 minutes before drinking — this helps flush lead from your pipes.

Water Systems Serving This Area

System Name EPA ID Population Source
Paradise Irrigation District CA0410007 9,142 Surface water
Del Oro Water Company-magalia CA0410009 340 Groundwater

What You Can Do

  1. Review your annual Consumer Confidence Report (CCR) - Your utility publishes this each July
  2. Test your home's water - Especially if you have older plumbing (pre-1986) that may contain lead
  3. Stay informed - Bookmark this page to check for updates on your water quality

Need help with water testing or filtration?

Typical cost: Water test: typically $20–$50 (DIY kit) · Professional inspection: $150–$400

Find the Right Water Filter

Free tip: Let cold water run for 2 minutes before drinking — this helps flush lead from your pipes.

Other Water Quality Reports in California

Nearby Water Quality Reports

Data Sources

This report uses public data from the EPA Safe Drinking Water Information System (SDWIS). View the full compliance record for Paradise Irrigation District (CA0410007) on EPA.gov.

Frequently Asked Questions

Is the tap water in 95969 safe to drink?

Based on EPA records, the water system serving ZIP code 95969 has monitoring/reporting violations in the available record and no measured health-based violations in that same subset. This does not replace property-specific testing.

Where does 95969's water come from?

The primary water source for this area is surface water. Paradise Irrigation District serves approximately 9,142 people.

How can I get my water tested?

Contact your local water utility for a free water quality report, or hire a certified lab for independent home water testing. The EPA recommends testing annually if you use a private well.

Does 95969 have lead in the water?

Lead and Copper Rule sampling data for ZIP code 95969 shows a lead level of 0.00155 mg/L, which is below the EPA action level of 0.015 mg/L. Still, older homes with lead service lines or pre-1986 plumbing may have higher levels at individual taps.

What is the radon risk in 95969?

ZIP code 95969 (Butte County) falls in EPA Radon Zone 3, indicating low radon potential. Zone 3 areas have lower radon potential, though individual homes can still have elevated radon levels depending on construction and local geology. Testing is still recommended.

USGS reports that 4 of the top compounds applied across the surrounding county are flagged by the EPA for drinking-water monitoring - see the agricultural pesticide-use section

📊 EPA Safe Drinking Water · Updated March 2026 · View source →

Your Water Source: Paradise Irrigation District

2 ZIP codes share this system
Source: Surface water
Serving 9,142 people
Avg. score: 88/100

No violations reported across any of the 2 communities on this water system.

This system draws from surface water sources (rivers, reservoirs, or lakes). Surface water systems typically serve larger populations and face different contamination risks than groundwater - including agricultural runoff, industrial discharge, and seasonal turbidity.

Other ZIP codes on this system

System ID: CA0410007 · Source: EPA SDWIS

California Water Quality Overview

Statewide grade: B (73/100)

California enforces some of the strictest drinking water standards in the nation, including limits on chromium-6 and 1,2,3-TCP that have no federal equivalent. The state enforces stricter limits than federal EPA minimums for 6 contaminants. 24 water systems in our data exceed these state-level limits while still passing federal standards. ZipCheckup analyzes lab results from 5,320 water systems across California, covering 27 contaminants from 5 data sources. The most frequently tested contaminants include Lead (Pb 90th %ile), NEtFOSAA, NMeFOSAA. Overall, California earns a water quality grade of B (average score: 73/100) across 2,630 ZIP codes. 55% of tested systems have at least one EPA violation on record. If you live in California, review the contaminant table above for your specific water system — state averages may not reflect local conditions.

5,320 systems tested
27 contaminants tracked
2,630 ZIP codes
Regulated at stricter state levels:
manganese 123tcp chromium6 fluoride perchlorate
California vs. federal limits →
📊 State Environmental Agency · Updated March 2026

Score History

Score tracking started on 2026-08-04. Current score: 100/100. Check back for trends as data accumulates.

Environmental Incidents

1
Monitoring
EPA enforcement actions & health violations in 95969 (last 5 years)
Enforcement Actions
1
0 formal
Health Violations
0
0 unresolved
Last Enforcement
2022-09-30

Enforcement Actions

State Order Extension
2022-09-30

Understanding EPA Enforcement

  • MCL Violation - Contaminant exceeded the Maximum Contaminant Level set by EPA
  • Treatment Technique (TT) - Water system failed to follow required treatment methods
  • Formal Enforcement - EPA or state issued a legal order (administrative order, court action, or compliance order)
  • Resolved - The water system returned to compliance

Source: EPA Enforcement and Compliance History Online (ECHO). Data from the Safe Drinking Water Information System (SDWIS). Updated quarterly.

PFAS Tested - None Detected

Water serving ZIP code 95969 was tested for PFAS ("forever chemicals") under the federal UCMR5 monitoring program - no PFAS detected.

The EPA Fifth Unregulated Contaminant Monitoring Rule (UCMR5) requires every public water system serving over 3,300 people to test for 29 PFAS compounds and lithium between 2023 and 2025. Systems with no detections at the federal minimum reporting level have provided clean results.

📊 EPA UCMR5 · Updated March 2026 · View source →

Consumer Confidence Report

Annual water quality report published by Paradise Irrigation District for ZIP code 95969.

N/A
Contaminants Tested
N/A
MCL Violations

What Is a Consumer Confidence Report?

Every community water system in the U.S. is required by the EPA to publish an annual Consumer Confidence Report (CCR), also known as a Water Quality Report. It lists all detected contaminants, their levels compared to federal limits (MCLs), and information about where your water comes from.

How to Read Your CCR

  • MCL (Maximum Contaminant Level) - the highest level of a contaminant allowed in drinking water
  • MCLG (Maximum Contaminant Level Goal) - the level below which there is no known health risk
  • Action Level - used for lead and copper; triggers treatment if exceeded at the 90th percentile
  • A violation means detected levels exceeded the MCL - your utility must notify you and take corrective action
📊 Water Utility CCR Report · Updated March 2026 · View source →

Childhood Environmental Risk Score - 95969

Low Risk
11/100
Childhood Environmental Risk Score
Combining water lead, air toxics, housing age & EPA violations

This ZIP's score is higher than 7% of U.S. ZIP codes and 11% of those in California - a relative ranking, not a verdict on any home.

Risk Factor Breakdown

Housing Lead Paint Probability 12/100
12% of homes built before 1970, when lead paint was widely used.
Water System Violations 10/100
EPA water system violation history for this area.
What weighs most here

Housing age is the largest contributor to this ZIP's score. Homes built before 1978 are more likely to contain lead paint, and chips and dust are a common exposure path for young children. The EPA recommends a lead-paint inspection before renovating an older home.

Pre-1970 Housing
12%
homes likely containing lead paint
EPA Radon Zone Zone 3
Zone 3 indicates lower radon potential, though individual homes can still test high depending on construction and local geology.
Radon is a naturally occurring radioactive gas. Children spend more time at home than adults, and a radon test kit is inexpensive.
Important Health Information
  • Children under 6 are most vulnerable to lead exposure - there is no safe level of lead in blood
  • Test your home's drinking water, especially if your home was built before 1986

What families can do

Here are calm, practical steps families in this ZIP can consider - informational guidance, not cause for alarm.

No specific actions are flagged for this ZIP. The general guidance above still applies to every family.

Share with other parents

Know a family in 95969? A free 30-second ZIP check shows them the same lead, water, and housing data.

Disclaimer: This environmental health risk assessment uses publicly available data from the EPA, Census Bureau, and CDC to estimate relative risk levels. It is not a medical diagnosis or substitute for professional health advice. Individual exposure depends on many factors not captured in this analysis. Consult your pediatrician or local health department for specific guidance. Data sources: EPA AirToxScreen, EPA SDWIS, U.S. Census Bureau, CDC Childhood Blood Lead Surveillance.
📊 EPA AirToxScreen, SDWIS, Census, CDC · Updated March 2026 · View source →

Lead Pipe Replacement Funding for California

$28.6M
allocated in fiscal year 2025 for lead service line replacement
Up to $14.0M available as grants for disadvantaged communities (49% of allocation)

Key LCRI Deadlines

Now
Your water system must notify you if you have a lead service line
1
Oct 2027
Water systems must complete service line inventories
2
Oct 2034
All lead service lines must be replaced

What This Means for You

  • If your home was built before 1986, it may have lead service lines
  • Your water utility is required to inventory and replace lead lines at no cost to you
  • Contact your water utility to check if your address is in their inventory

Source: EPA DWSRF Lead Service Line Replacement Program, FY2025 Allotment Memorandum.

Active Alerts in California

2 active weather alerts in California. Severe weather can affect your water quality and home safety.

View alerts for California →

📊 NWS · Updated March 2026 · View source →
Environmental Hazards (11) HIGH

Historical NFIP Claim Profile

3
Limited Claim History
FEMA flood insurance claims filed in 95969
Reported Payment-Component Sum
$14,957
across 1 claims with payment data
Average Reported Components
$14,957
among 1 claims with payment data
Rated Zone in Claim Records
X
most frequent value among historical claims; not a current map
Claims from 2022 through 2026-07-27
0
loss-date window reported by the source
Claims Without Payment Fields
2
not treated as zero

FEMA Flood Zones Explained

  • Zone A / AE - High-risk (100-year floodplain). Flood insurance required for federally backed mortgages
  • Zone V / VE - High-risk coastal area with wave action. Strictest building requirements
  • Zone X - Moderate-to-low risk (500-year floodplain or minimal flood hazard)
  • Zone B / C - Areas of moderate or minimal flood hazard
📊 FEMA NFIP · Updated 2016-03-12 · View source →

Air Quality for 95969

29
AQI
Good
Primary pollutant: Ozone
Station: Paradise (0.1 mi away)
Health Recommendations

Air quality is satisfactory, and air pollution poses little or no risk. Enjoy outdoor activities.

AQI Scale
050100150200300500
📊 EPA AirNow · Updated March 2026 · View source →

County-level hazard data for Butte

These are county-level federal records for Butte, the county that contains ZIP code 95969. They describe the whole county, not this ZIP code specifically, and are provided for regional context.

High-hazard dams 17, rated high-hazard-potential by the U.S. Army Corps of Engineers · 2 in poor or unsatisfactory condition
Air-quality standard (2023-2025) Meets the federal ozone and fine-particle standards
Tornadoes (2015-2024) 2 recorded in the county over the decade
Large hail and damaging wind (2015-2024) 1 large-hail and 2 damaging-wind events recorded in the county
Flooding (2015-2024) 3 flash-flood and 82 riverine-flood events recorded in the county
Private-well arsenic (USGS estimate) About 666 county residents on private wells have water above the federal arsenic limit; private wells are outside the Safe Drinking Water Act
Landslide-prone terrain (county) The USGS maps 55.5% of the county's land as susceptible to landslides, with 9 documented landslides on record

Sources: U.S. Army Corps of Engineers National Inventory of Dams, NOAA Storm Events Database, EPA air-quality design values, EPA annual Air Quality Index by county, a USGS domestic-well arsenic model, and a USGS landslide-susceptibility model. All figures are county-level and do not reflect conditions at any single address.

Termite Risk for 95969

Very Heavy Termite Zone
WDI Inspection Requirement

Required for VA/FHA loans statewide; Section 1/Section 2 pest report standard in conventional sales. Sellers must disclose known termite activity

Typical Inspection Cost
$100 – $250
Based on California market rates
Consequence

VA/FHA loan will not close without clear NPMA-33 form; Section 1 findings may require treatment before close of escrow

Termite Damage in the U.S.

  • Termites cause an estimated $5 billion in property damage annually in the United States, according to the USDA.
  • Standard termite treatment costs $225–$2,500; fumigation for severe infestations: $2,000–$8,000.
  • Homeowner insurance typically does not cover termite damage, as it is considered preventable.

What Homeowners Should Know

  • Annual termite inspections are recommended in moderate-to-heavy risk zones. Early detection can prevent thousands in repair costs.
  • VA and FHA loans require a clear NPMA-33 (Wood Destroying Insect Inspection Report) for closing in most states.
  • Warning signs: mud tubes on foundation walls, hollow-sounding wood, discarded wings near windows, and frass (droppings) near baseboards.
  • Preventive treatment ($200–$900 per year) is far less expensive than structural damage repair, which averages $3,000 and can exceed $50,000.
  • California falls in a very heavy termite infestation probability (TIP) zone. Subterranean termites are the primary concern, with Formosan subterranean termites also present in this region.
Reference: VA lender requirements; California Structural Pest Control Act (B&P Code 8500-8698); Section 1/Section 2 reporting

Source: USDA Forest Service Termite Infestation Probability (TIP) zones, VA/FHA lender requirements, California pest control regulations. Inspection cost estimates reflect typical market rates and may vary by provider, property size, and location. This information is for general guidance only.

Pest Risk for 95969

High Pest Pressure
Top Pest Threats in California

termites, rodents, cockroaches, bed bugs and mosquitoes

Typical Pest Inspection Cost
$100 – $250
Based on California market rates
Licensed Applicator Required
Yes
California pesticide regulations
⚠ CDC / EPA Disease Zone Alerts
  • West Nile activity zone
Real Estate Transaction Requirement

Required for VA loans in all states; Section 1/Section 2 pest report standard in conventional sales

Penalty for Unlicensed Application

Up to $5,000 per violation; criminal penalties for willful violations

Why This Matters

  • Health risks: Mosquitoes transmit West Nile virus (1,000+ U.S. cases annually). Ticks spread Lyme disease (estimated 476,000 cases/year per CDC). Rodent droppings can carry hantavirus.
  • Property damage: Carpenter ants and termites cause billions in structural damage annually. Rodents gnaw wiring, creating fire hazards.
  • Food safety: Cockroaches and rodents contaminate food preparation areas and can trigger allergies and asthma, especially in children.
  • California's climate creates year-round pest pressure. Regular professional inspections and preventive treatment are strongly recommended.

Common Questions

Do I need a pest inspection before buying a home in California?
VA and FHA loans require a Wood Destroying Insect (WDI) inspection in all states. Required for VA loans in all states; Section 1/Section 2 pest report standard in conventional sales Even when not legally required, a professional pest inspection ($100–$250) can reveal hidden infestations that cost thousands to remediate.
Can I apply pesticides myself in California?
Homeowners can generally use over-the-counter pesticide products on their own property. However, restricted-use pesticides require a licensed applicator in California. Commercial pest control services must be licensed. Up to $5,000 per violation; criminal penalties for willful violations.
What are the most common pests in California?
The top pest threats in California include termites, rodents, cockroaches, bed bugs and mosquitoes. Pest activity varies by season and local conditions. As a high pest pressure state, year-round preventive treatment is recommended.
Legal Reference: California Structural Pest Control Act (B&P Code 8500-8698)

Source: CDC vector-borne disease surveillance, EPA pesticide regulation data, California pest control board, NPMA pest prevalence maps. Inspection cost estimates reflect typical market rates and may vary by provider, property size, and location. This information is for general guidance only.

Wildfire & Smoke Risk Profile

49
High Smoke Risk
Wildfire smoke exposure risk score for 95969
Nearest Fire
6 mi
9 km to nearest recent wildfire
County Fires (5yr)
16
wildfires in county since 2021
Risk Level
High
based on fire proximity & history
Air Quality
At Risk
during fire season (Jun–Nov)
SMOKE RISK SCORE 49/100
0 - Minimal 100 - Highest Risk
This area has high wildfire smoke exposure risk. During fire season (June–November), air quality can deteriorate rapidly. Monitor conditions at EPA AirNow and the National Interagency Fire Center.

Wildfire Smoke Safety Tips

  • Air purifier with HEPA filter: run in the room where you spend the most time. Close windows and doors during smoke events.
  • N95 or KN95 masks: standard cloth and surgical masks do not filter fine particulate matter (PM2.5) from wildfire smoke.
  • Seal gaps: use wet towels or tape around doors and windows to reduce smoke infiltration during poor air quality days.
  • Monitor AQI: check AirNow.gov daily during fire season. AQI above 100 = unhealthy for sensitive groups; above 150 = unhealthy for everyone.
  • Create a clean room: designate one room with the air purifier running, keep it sealed, and limit time outdoors when AQI is elevated.

Protect Your Indoor Air from Wildfire Smoke

A HEPA air purifier can reduce indoor PM2.5 by up to 80% during smoke events. Portable units for a single room start at $80. Whole-home solutions start at $300.

Product links may earn a commission - see our disclosure.

📊 NIFC Wildfire Data & EPA AirNow · Updated March 2026 · View source →

Earthquake & Seismic Risk Profile

20.7
MODERATE RISK
FEMA National Risk Index earthquake score for 95969
Risk Rating
Relatively Moderate
FEMA earthquake hazard classification
Expected Annual Loss
$17.0M
estimated county-level annual loss (Relatively Moderate)
Annual Frequency
0.005
expected damaging earthquakes per year
Structural Vulnerability
Moderate
based on housing age (56 yr median) + seismic zone
EARTHQUAKE RISK SCORE 20.7/50
0 - Minimal 50 - Highest Risk

Earthquake Preparedness Tips

  • Secure heavy furniture: anchor bookshelves, water heaters, and large appliances to wall studs. Unsecured items cause most earthquake injuries.
  • Emergency kit: water (1 gallon per person per day for 3 days), non-perishable food, flashlight, batteries, first aid kit, wrench to turn off gas. Keep kits at home and in your car.
  • Know how to shut off gas: locate the gas meter shutoff valve and keep a wrench nearby. Gas leaks are a leading cause of post-earthquake fires.
  • Drop, Cover, Hold On: during shaking, drop to hands and knees, take cover under a sturdy table, and hold on. Do not stand in doorways or run outside.
  • Structural retrofit: homes built before 1980 may need foundation bolting or cripple wall bracing. FEMA's earthquake resources offer guidance on retrofitting.
  • USGS ShakeMap: monitor real-time and recent seismic activity at earthquake.usgs.gov.

Build Your Earthquake Preparedness Kit

FEMA recommends every household in a seismic zone maintain a 72-hour emergency kit. Pre-assembled kits start at $40 and include water, food, first aid, and tools.

Product links may earn a commission - see our disclosure.

📊 FEMA National Risk Index & USGS · Updated March 2026 · View source →

Mold Risk Assessment for 95969

Low Risk
29/100
Mold Probability Score
Based on humidity, housing age, flood history & water infrastructure
Avg. Humidity
57%
annual relative humidity
Summer Humidity
47%
Jun–Aug average
Median Home Age
1970
median year built
Flood Claims
3
FEMA insurance claims
Seasonal Risk

Winter humidity (67%) remains elevated in this area. Condensation on cold surfaces creates mold-favorable conditions even in cooler months. Summer humidity averages 47%.

Why Mold Matters

  • The CDC and EPA identify mold as a significant indoor health hazard. Common symptoms include respiratory irritation, allergic reactions, and asthma exacerbation.
  • Mold begins growing within 24–48 hours on damp surfaces when relative humidity exceeds 60%. Bathrooms, basements, and crawl spaces are most vulnerable.
  • Professional mold remediation costs $1,500–$9,000 on average. Homeowner insurance often excludes mold coverage unless caused by a "covered peril."
  • Homes built before 1980 typically lack modern vapor barriers and ventilation systems, increasing moisture infiltration risk.

Prevention Recommendations

  • Keep indoor humidity below 50% using ventilation or a dehumidifier in moisture-prone areas (bathrooms, basements, laundry rooms).
  • Ensure proper ventilation: use exhaust fans in bathrooms and kitchens, and keep attic and crawl space vents unblocked.
  • Fix leaks immediately. Even small plumbing leaks can create mold-favorable conditions within 48 hours.
  • Homes built around 1970 often lack modern vapor barriers. Consider a professional moisture assessment to identify hidden problem areas.
  • Monitor indoor humidity with a hygrometer ($10–$20). Target 30–50% year-round.
Recommended: Whole-Home Dehumidifier

With 57% average humidity, a dehumidifier is the most effective way to reduce mold risk in 95969. Energy Star-rated units cost $200–$400 and can reduce humidity by 20–30%.

Compare Dehumidifiers
As an Amazon Associate, ZipCheckup earns from qualifying purchases.
Sources: NOAA Climate Normals 1991–2020 (humidity), U.S. Census ACS (housing age), FEMA NFIP (flood claims), EPA SDWIS (water violations). Score methodology: humidity 40%, housing age 30%, flood history 20%, water infrastructure 10%.

Respiratory Risk Snapshot

Moderate Risk
16
Respiratory Risk Score
Combined air quality, humidity & mold risk for 95969
Air Quality
4/40
EPA AQI index
Humidity
3/30
seasonal impact
Mold
9/30
housing + humidity
RISK SCORE 16/100
Low Moderate Severe
Sources: EPA AirNow, NOAA humidity normals, mold risk model (housing age + humidity + flood history). Source publication periods vary; observation times are shown when available. Score combines air quality (40%), humidity stress (30%), and mold risk (30%).

Superfund Sites & Soil Contamination Risk

7
Very Low Proximity Risk
EPA Superfund NPL site proximity score for 95969
Nearest NPL Site
19.1 mi
30.7 km - Western Pacific Railroad Co.
Sites Within 10 km
0
NPL sites within ~6.2 miles
Risk Level
Very Low
based on proximity & site status
Sites Within 25 km
0
NPL sites within ~15.5 miles
SUPERFUND PROXIMITY SCORE 7/100
0 - No nearby sites 100 - Highest Risk

Nearest Superfund (NPL) Sites

Site Name Distance Status Listed
Western Pacific Railroad Co.
Oroville, California
19.1 mi Deleted from NPL 08/30/1990

What Are Superfund NPL Sites?

The National Priorities List (NPL) is the EPA's list of the most contaminated sites in the United States. These sites are eligible for federal cleanup funding under CERCLA (the "Superfund" law). Common contaminants include heavy metals, volatile organic compounds (VOCs), pesticides, and industrial solvents that can leach into soil, groundwater, and air.

  • Active Cleanup: EPA is investigating or remediating the site - contamination may still be present.
  • Construction Complete: Physical cleanup is done, but long-term monitoring continues.
  • Deleted: Site meets EPA cleanup standards and has been removed from the NPL.

Know What's in Your Soil

If you live near a Superfund site, a home soil test kit can detect heavy metals, lead, and other contaminants - especially important if you garden, have children, or use well water.

Product links may earn a commission - see our disclosure.

📊 EPA Superfund National Priorities List (NPL) · Updated March 2026 · View source →

Agricultural pesticide use in the surrounding county

USGS estimates how many kilograms of agricultural pesticides are applied each year in this ZIP code’s surrounding county, plus the five most-applied compounds. These are county-level use estimates, not a measurement of any pesticide in the tap water served to this ZIP code.

USGS county-level estimate
283k kg
estimated kilograms of pesticides applied each year across the surrounding county.

Top compounds by volume

The five compounds applied in the largest amounts across this county. Where the EPA sets a drinking-water reference limit (MCL) for a compound, that limit is shown for context - it is a regulatory reference, not a finding of any concentration in this ZIP code’s water.

  • PROPANIL
    Herbicide · 159k kg/yr
    Moderate water concern
  • GLYPHOSATE
    Herbicide · 65.9k kg/yr · EPA drinking-water reference limit: 700 ppb
    Moderate water concern
  • CHLOROTHALONIL
    Fungicide · 15k kg/yr
    Moderate water concern
  • CHLORPYRIFOS
    Insecticide · 13k kg/yr
    High water concern
  • PARAQUAT
    Herbicide · 11.3k kg/yr
    Low water concern

4 of the top compounds are ones the EPA flags for drinking-water monitoring - see the drinking-water section above

What this means

  • These figures describe pesticide application across the surrounding county, not the drinking water at this address.
  • An EPA Maximum Contaminant Level (MCL) is a regulatory reference for how much of a compound is allowed in finished tap water - it is not a finding of contamination at this ZIP code.
  • Tested drinking-water results from the local water system - when reported - appear in the drinking-water section of this report.

Methodology: Annual county pesticide-use estimates are from the USGS Pesticide National Synthesis Project, mapped from county FIPS to ZIP code. EPA Maximum Contaminant Levels are reproduced from federal drinking-water regulations and are reference points only.

Informational only. County-level agricultural pesticide-use estimates are not a measurement of any pesticide in the drinking water served by this ZIP code, nor an assessment of health risk. Tested drinking-water results, when reported by the local water system, appear in the drinking-water section above.

📊 USGS Pesticide National Synthesis Project · Updated May 2026
Home & Infrastructure (7) OK

Home Buyer Risk Report

An inspection-grade snapshot of public-data risk factors for this ZIP, built to help a buyer decide what to verify before closing.

31/100
Home Purchase Risk Score
Low Risk

Public federal data shows a low overall risk profile for this ZIP. The checklist below works alongside a standard home inspection.

Seven-factor inspection checklist

Each factor below is scored 0–100 from public federal data. A higher score means the factor is more worth verifying before you buy.

ui.zip_sections.home_buyer_report.factor_flood_reported_payment_evidence · 20% of score

ui.zip_sections.home_buyer_report.factor_flood_reported_payment_evidence_check

No flag
Lead · 15% of score

Homes built before 1986 may have lead pipes or solder, and pre-1978 homes may have lead paint - a lead inspection adds clarity.

No flag
Energy · 15% of score

Heating and cooling costs and the age of the HVAC system, along with recent utility bills, give a fuller picture.

Worth a look
Housing age · 10% of score

Older homes more often have aging plumbing, wiring, and a water heater near end of life - a full inspection adds detail.

Worth a look
Radon · 10% of score

The EPA recommends testing every home for radon; homes in EPA Radon Zone 1 have the highest potential.

No flag
Air quality · 5% of score

Local air-quality history is useful context; for sensitive occupants, an HVAC system with good filtration helps.

No flag

Nearby hazards

Superfund proximity

No EPA Superfund (National Priorities List) sites recorded within 10 km.

Healthcare access

Hospitals reported by CMS Hospital Compare near this ZIP code, with overall federal quality star ratings where CMS publishes one.

1
hospital within 15 miles
1
with an emergency department
Nearest CMS-rated hospital
Enloe Health
CMS 3-star rating · 12.6 mi away

Closest hospitals

  • Enloe Health
    Acute care · 12.6 mi away · ER
    CMS 3-star rating

Across the rated hospitals within 15 miles, the average CMS overall-quality rating is 3.0 (CMS scale: 1 to 5).

Federal data from CMS Hospital Compare. Distances are straight-line estimates from the ZIP code centroid; ZipCheckup neither ranks nor recommends any hospital.

Inspection-day checklist

Practical items to raise with your inspector, agent, or the seller - tailored to this ZIP's data.

  • Hire an independent home inspector for a full walkthrough of the property.
  • Read the seller's disclosure and any past inspection or repair records.
  • Ask for service records for the HVAC system, water heater, and roof.

What this means

  • This report consolidates seven home-purchase risk factors and nearby hazards from public federal data into one place.
  • Each flagged item is a recommendation to verify independently - not a finding of a defect.
  • An independent home inspection remains an essential step before closing.

Methodology: The report combines the home purchase risk score - a seven-factor composite of public federal data - with EPA Superfund, ATSDR, water-disruption, and NRC nuclear-zone proximity datasets. All figures are modeled estimates.

Informational only. This is a modeled summary of public federal data, not a home inspection, an appraisal, or a prediction of defects. Verify any concern with a qualified inspector before a purchase.

📊 EPA, FEMA, U.S. Census, NRC · Updated May 2026

Housing Profile for 95969

Based on U.S. Census data (ACS B25034), there are 3,851 housing units in this ZIP code. The median home was built around 1970, making it roughly 56 years old.

Median Home Age
56
years (built ~1970)
Lead Paint Risk
59%
homes built before 1986
Lead Pipe Risk
5%
homes built before 1950

When Homes Were Built

Pre-1940
1% (52)
1940–1949
3% (133)
1950–1959
8% (291)
1960–1969
15% (578)
1970–1979
23% (892)
1980–1989
14% (550)
1990–1999
5% (198)
2000–2009
12% (472)
2010–2019
7% (279)
2020+
11% (406)
Highest risk (pre-1950) Elevated risk (1950–1979) Lower risk (1980+)

What This Means for Home Equipment

Homes built in the 1970s era typically have equipment that has been replaced at least once. Based on typical replacement cycles:

  • Water heater: estimated ~8 years old (avg lifespan: 12 years)
  • HVAC system: estimated ~5 years old (avg lifespan: 17 years)
  • Plumbing: likely Copper

Home Value Context

Median Home Value
$419,900
33% below state median ($628,950)
Est. Safety Remediation
$1,200
0.3% of median home value

Estimated median home value in this ZIP code based on Census ACS data. Safety remediation costs include water filtration, lead abatement, radon mitigation, and flood insurance where applicable.

📊 Census ACS B25034 · Updated March 2026 · View source →

Equipment Age Estimate for 95969

Based on Census data, the median home in this ZIP was built in 1970 (~56 years old). 59% of homes were built before 1986.

Lead Pipe Risk
Elevated
59% homes pre-1986
Electrical Risk
Low
12% homes pre-1970
Water Heater Est. Age
~8 yrs
Avg lifespan: 12 yrs
HVAC Est. Age
~5 yrs
Avg lifespan: 17 yrs
⚠ EPA Lead Pipe Compliance Deadline - Your Utility Must Act

The EPA Lead and Copper Rule Improvements (LCRI), finalized October 2024, requires all water utilities to:

  • By October 2027: Complete a lead service line inventory and notify all customers with lead or unknown lines
  • By ~2037: Replace 100% of lead service lines (mandatory 10-year deadline)
  • New action level: Lowered from 15 ppb to 10 ppb - more homes now trigger mandatory action

59% of homes in ZIP 95969 were built before 1986 - the year lead solder was banned. If you receive a notification letter from your water utility, your home likely has lead service lines or lead solder connections.

Recommended actions:
  1. Get your water tested for lead (request a test kit from your utility at no cost)
  2. Install a certified lead-reducing filter (NSF/ANSI 53)
  3. Contact your utility about replacement assistance - costs run $5,000–$15,000, utilities may cover a portion under LCRI
  4. Have a plumber inspect your service line connection

Likely pipe material: Copper

Estimates based on U.S. Census ACS housing vintage data and typical equipment lifespans. Actual conditions vary by home.

Infrastructure Decay & Disruption

56
Low infrastructure stress
Higher modeled infrastructure stress than 59% of US ZIP codes

Water pipe decay

Local water mains are modeled to reach a critical service threshold within about 5 years.

New 80% of service life consumed End of life
Decay trend
Slow
Likely pipe material
Copper
Estimated system age
56 yrs
Infrastructure stress indicator
37%
estimated annual water-main break likelihood

Bridge condition (FHWA NBI)

Bridges in area
440
Rated in poor condition
5.5%
FHWA NBI structural rating
Average bridge age
68 yrs
Worst bridge rating
2/9
FHWA NBI scale - 9 is excellent, 0 is failed

Bridge figures are from the Federal Highway Administration's National Bridge Inventory. They describe area-level structural ratings, not the safety of any specific bridge.

Bridge condition - FHWA NBI 2024 annual release

Of 437 bridges classified within this ZIP code's surrounding county, 27 are classified Poor by FHWA NBI 2024.

Good (139) · Fair (271) · Poor (27)

FHWA classifies bridges as Good (rating 7-9), Fair (5-6), or Poor (0-4) based on biennial inspections of deck, superstructure, substructure, and culvert components.

Counts are county-level aggregated; multiple ZIP codes within the same county share these counts. No per-bridge or per-structure-ID claim is made.

Source: FHWA National Bridge Inventory, 2024 annual release.

Gas pipeline incident history

PHMSA records 1 reported gas-distribution pipeline incidents on file for this area.

Source: U.S. Pipeline and Hazardous Materials Safety Administration (PHMSA) historical incident data.

What this means

  • This score blends water-pipe decay, bridge condition, gas-pipeline incident history, and a service-disruption evidence indicator into one area-level measure of infrastructure stress.
  • It describes the infrastructure around a home, not the condition of the home itself, and it is a modeled estimate rather than an engineering assessment.
  • Aging water mains raise the chance of breaks and service interruptions; a plumber can inspect a home's own supply line and shut-off valve.

Methodology: Water-pipe decay is modeled with an exponential-decay bathtub curve from Census ACS housing age, EPA ECHO compliance records, and EPA infrastructure-needs data. Bridge condition is from the FHWA National Bridge Inventory; gas-pipeline incidents are from PHMSA. The service-disruption evidence indicator combines available housing-age and EPA violation records without claiming a probability or forecast. The stress score is a weighted composite of these four signals.

All figures are modeled estimates from public federal data. They are not engineering assessments, predictions of failure, or a judgment about any specific structure or utility.

📊 Census ACS, EPA ECHO, FHWA NBI, PHMSA, FEMA · Updated May 2026

Power outages in Butte

Electricity outages reported by utilities in Butte and tracked by the U.S. Department of Energy's EAGLE-I program in 2024. These figures describe the county, not conditions at ZIP code 95969.

Hours of outages per customer (2024) 19.1 hours. A customer is a metered account, not a person.
Compared with other counties Higher than 77% of the 58 counties in California with data for this year.
Longest single day on record February 5, 2024, with 543,354 customer-hours of outages across the county.

County-level figures, not a measurement at this address. Based on reported 15-minute intervals: intervals reported with no value are excluded, never counted as zero. Counties and years without data are omitted rather than shown as zero. Source: DOE/ORNL EAGLE-I, licensed CC BY 4.0.

HVAC System Health for 95969

Estimated HVAC Age
~5 years
Average lifespan: 17 years
Replacement Status
Good Condition
Likely within reliable service window. Annual maintenance recommended.

High energy costs in California (35.25¢/kWh) mean an inefficient HVAC system costs you significantly more. Upgrading to a high-SEER unit or heat pump could save 30–50% on heating and cooling bills.

Seasonal HVAC Tips for California

Fall / Winter
  • Schedule furnace tune-up before first cold snap
  • Replace air filter (every 1–3 months)
  • Check thermostat calibration
Spring / Summer
  • Clean AC condenser coils and clear debris
  • Test AC before peak season
  • Check refrigerant levels (professional tech only)

Common HVAC Issues for 1970-Era Homes

  • Undersized ductwork - older designs often can't handle modern HVAC airflow requirements
  • Poor insulation - pre-1980s homes lose 25–40% more heat through walls and attic
  • Obsolete refrigerant - R-22 (Freon) phased out; repair costs significantly higher
  • Asbestos in duct insulation - homes before 1980 may need professional abatement before HVAC work
Furnace Efficiency Deadline: December 2028

The Department of Energy requires all NEW furnaces manufactured after December 18, 2028 to meet 95% AFUE (condensing furnaces). Current standard is 80% AFUE.

What this means for you:

  • 80% AFUE non-condensing furnaces will no longer be available for purchase
  • Condensing furnaces require PVC venting (additional $1,500–$2,500 for retrofit)
  • If the furnace is approaching end of life, consider replacing before the deadline to potentially save on installation costs
  • Your existing furnace can continue operating - this applies only to NEW equipment

HVAC Questions for 95969

How do I know if my HVAC system needs replacement?

Key signs include: the system is over 15 years old, frequent repairs (more than 2 per year), uneven heating/cooling between rooms, rising energy bills despite normal use, and unusual noises or odors. Based on census data, the median home in 95969 was built in 1970, putting the estimated HVAC system age at ~5 years.

What SEER rating should I look for in a new HVAC system?

As of 2023, the federal minimum is SEER2 15 for central AC in the southern U.S. and SEER2 14 in the north. For California, look for at least SEER 16–18 for good efficiency. Higher SEER ratings (20+) cost more upfront but save more in areas with high electricity rates like California, where rates are above the national average. ENERGY STAR certified units are a reliable starting point.

How much does HVAC replacement cost in California?

A full HVAC replacement (furnace + AC) typically ranges from $5,000–$12,000 depending on system size, efficiency rating, and ductwork condition. Heat pump systems range from $4,000–$10,000. Federal tax credits (25C) cover up to 30% of the cost for qualifying heat pumps and high-efficiency systems. Check our rebates page for California-specific incentives.

What refrigerant does my AC use and why does it matter?

If your AC was installed before 2010, it likely uses R-22, which was banned in 2020 and now costs $50–$150/lb. Systems from 2010–2024 typically use R-410A, which is being phased down (AIM Act 2025). New systems use R-454B or R-32. When your current system needs major repair, the refrigerant type significantly affects whether repair or replacement makes more economic sense.

Should I replace my furnace before the 2028 efficiency deadline?

If the furnace in a home is over 15 years old and the area has a cold/moderate climate, planning ahead is wise. After December 2028, only 95% AFUE condensing furnaces will be available. These require PVC venting - retrofitting an older home for PVC can cost $1,500–$2,500 on top of the furnace price. Replacing before the deadline with a standard 80% AFUE unit may be more cost-effective if the venting isn't PVC-ready.

HVAC age estimate based on U.S. Census ACS housing vintage data and a 17-year replacement cycle. Actual system age varies by home.

Appliance Age Estimates for 95969

Median home built in 1970 (~56 years old). Appliance ages estimated from typical replacement cycles.

Water Heater
~8 yrs
Avg lifespan: 12 yrs · $800–$2500
Dishwasher
~8 yrs
Avg lifespan: 12 yrs · $700–$2500
Washing Machine
~8 yrs
Avg lifespan: 12 yrs · $600–$2200
Dryer
~4 yrs
Avg lifespan: 13 yrs · $500–$2000
Refrigerator
~0 yrs
Avg lifespan: 14 yrs · $1000–$4000
Garbage Disposal
~8 yrs
Avg lifespan: 12 yrs · $200–$600

How Water Quality Affects Appliance Lifespan

Water conditions in Paradise directly impact how long your appliances last.

Hard Water
Mineral buildup (calcium, magnesium) clogs water heaters, dishwashers, and washing machines. Can reduce lifespan by 25–30%.
Sediment & Particulates
Sand and rust particles accelerate wear on valves, seals, and heating elements in water heaters and dishwashers.
High Chlorine
Corrodes rubber gaskets and seals in washing machines and dishwashers, leading to leaks and premature failure.
Low pH (Acidic Water)
Corrodes metal components inside water heaters and garbage disposals, shortening their service life.

Homes built before 1996 have likely gone through 2+ full appliance replacement cycles. If original appliances remain, they are well past expected lifespan.

Appliance Maintenance FAQ

How often should I flush my water heater?

Flush your tank water heater at least once a year to remove sediment buildup. In areas with hard water, every 6 months is recommended. Sediment reduces heating efficiency and accelerates tank corrosion, shortening lifespan by 2–4 years.

When should I replace my dishwasher vs. repair it?

If your dishwasher is over 9 years old and the repair costs more than 50% of a new unit, replacement is generally more cost-effective. Common signs: dishes not getting clean, water pooling after cycles, or rust spots on the interior.

Does a water softener really extend appliance life?

Yes. A water softener can extend water heater lifespan by up to 30% and reduce dishwasher and washing machine maintenance by preventing mineral scale buildup on heating elements, valves, and spray arms. The Battelle Memorial Institute found that softened water kept water heaters at original factory efficiency over a 15-year period.

Estimates based on U.S. Census housing vintage data and manufacturer-average replacement cycles. Actual appliance age depends on renovation history and maintenance.

Electrical Safety for 95969

Median home built in 1970 (~56 years old).

Electrical Risk Level
Low
12% homes pre-1970
Est. Panel Age
~26 yrs
Avg lifespan: 25–40 yrs

Common Electrical Issues for 1970-Era Homes

  • Knob-and-tube wiring - common in pre-1950 homes, lacks grounding and cannot safely handle modern electrical loads
  • Undersized electrical panel - 60–100 amp panels typical of this era cannot support today's appliances, EV chargers, or HVAC systems
  • Aluminum wiring - used in 1960s–1970s homes, poses fire risk at connections due to oxidation and thermal expansion
  • Ungrounded outlets - two-prong outlets indicate missing ground wire, increasing shock and surge risk
  • Federal Pacific / Zinsco panels - common in 1960s–1980s homes, known for breaker failure; replacement strongly recommended

⚠️ Insurance Compliance Alert

59% of homes in 95969 were built before 1986 - the era when Federal Pacific (FPE StabLok), Zinsco, and Challenger electrical panels were commonly installed.

These panels have a documented 60%+ breaker failure rate and are refused by major insurance companies including State Farm, Allstate, and Citizens (FL).

If you receive an insurance non-renewal notice or 4-point inspection failure:

  • Typical deadline: 30 days to replace panel
  • Replacement cost: $1,500–$4,000
  • Failure to replace: insurance cancellation → mortgage default risk

Insurance blacklist: State Farm, Farmers, Allstate, USAA, Mercury, Citizens (FL), Nationwide.

When to Call an Electrician

Urgent Signs
  • Burning smell from outlets or panel
  • Frequent breaker trips
  • Sparking or discolored outlets
  • Buzzing sounds from wiring or panel
Recommended Inspections
  • Before buying a home (especially pre-1980)
  • After any water damage or flooding
  • Before adding major appliances or EV charger
  • If your panel is 25+ years old

Electrical Safety Tips

Panel & Wiring
  • Never use a fuse with a higher amperage rating than the circuit is designed for
  • Label all breakers clearly in your electrical panel
  • Keep 3 feet of clearance in front of your electrical panel
Around the Home
  • Test GFCI outlets monthly using the built-in test button
  • Replace any cracked or warm outlet covers immediately
  • Do not daisy-chain power strips or extension cords

Homes built before 1976 likely have outdated wiring and panels that do not meet current electrical codes. A professional electrical inspection is strongly recommended.

Electrical Safety Questions for 95969

How do I know if my electrical panel needs an upgrade?

Key signs include: frequent breaker trips, a panel over 25 years old, fuses instead of circuit breakers, visible rust or corrosion, and a panel rated below 200 amps if you have modern appliances, HVAC, or an EV charger. Based on census data, the median home in 95969 was built in 1970 - homes of this age often have panels that don't meet current electrical demands.

How much does an electrical panel upgrade cost?

A panel upgrade from 100 to 200 amps typically costs $1,500–$4,000 depending on your location and the complexity of the work. If the meter base or service entrance also needs replacement, costs can reach $4,000–$6,000. Rewiring a full home (common in pre-1960 homes) ranges from $8,000–$15,000+ depending on size and accessibility.

Is aluminum wiring dangerous?

Aluminum wiring itself is not inherently dangerous, but connections between aluminum wiring and copper devices (outlets, switches) can overheat due to differential thermal expansion. The Consumer Product Safety Commission (CPSC) found that homes with aluminum wiring are 55 times more likely to have fire-hazard conditions. If your home has aluminum wiring, a qualified electrician can install COPALUM or AlumiConn connectors to make connections safe.

Is my home likely to have a Federal Pacific or Zinsco panel?

These panels were installed primarily between 1960 and 1985. Based on census data, 59% of homes in 95969 were built during this era. If your home was built in this period and the panel has never been replaced, there is a meaningful chance it contains an FPE StabLok or Zinsco panel. Look for the brand name on your breaker panel door.

Electrical risk assessment based on U.S. Census ACS housing vintage data. Actual wiring and panel condition varies by home and renovation history.

CO & Gas Safety Profile

0
Low Gas Risk
PHMSA gas distribution incident risk score for 95969
County Incidents
1
gas distribution incidents since 2004
Fatalities
0
no deaths reported
Latest Incident
2018
most recent reported
Risk Level
Low
based on incident history
RISK SCORE 0/100
0 - Safe 100 - Highest Risk

CO & Gas Safety Tips

  • Install CO detectors on every level of your home and near sleeping areas. Replace batteries annually and units every 5-7 years.
  • Know gas leak signs: rotten egg smell, hissing sounds near gas lines, dead vegetation near pipelines, bubbling in standing water.
  • Annual inspection: have a licensed technician inspect gas appliances (furnace, water heater, stove) every year.
  • Emergency: if you smell gas, leave immediately, do not use electrical switches, and call 911 or your gas company from outside.

Protect Your Home from Carbon Monoxide

The CPSC recommends a CO detector on every level. Battery-operated models start at $20. Smart detectors with app alerts start at $35.

Product link may earn a commission - see our disclosure.

📊 PHMSA Gas Distribution Incidents · Updated March 2026 · View source →

Remodeling Permit Requirements in California

⚠ Strict Permit Enforcement
What Requires a Permit

Structural, electrical, plumbing, mechanical, HVAC, water heater, re-roofing, window replacement. Cosmetic-only work exempt.

Typical Permit Cost
$200 – $5000
Based on California fee schedules
Penalty for Non-Compliance

Fines up to $5,000 for first offense, retroactive permit at 2–10x normal fee, mandatory correction

Legal Reference: California Building Standards Code (Title 24, CCR); CBC §105.1

Why This Matters

  • Unpermitted work can reduce your home's appraised value by 10–20% and complicate or block a sale entirely.
  • Homeowner insurance may deny claims for damage caused by or related to unpermitted renovations.
  • Buyers' lenders may require proof of permits before approving a mortgage, especially for kitchens, bathrooms, and structural changes.
  • Unpermitted electrical and plumbing work is a leading cause of house fires and water damage - permits exist to ensure safety inspections.
  • If you are planning remodeling work in California, contact your local building department before starting any project that alters structure, electrical, plumbing, or mechanical systems.

Remodeling Permit Questions for 95969

What remodeling work requires a permit in California?

In California, permits are generally required for any work that alters the structure, electrical wiring, plumbing, or mechanical systems of a home. This includes kitchen and bathroom renovations involving plumbing or electrical changes, wall removal, room additions, window enlargements, re-roofing, and HVAC replacement. Purely cosmetic work - painting, flooring, cabinet refacing without plumbing changes - typically does not require a permit. Always check with your local building department, as municipal requirements may be stricter than state minimums.

What happens if I remodel without a permit in California?

Working without a required permit in California can result in Fines up to $5,000 for first offense, retroactive permit at 2–10x normal fee, mandatory correction. Beyond legal penalties, unpermitted work creates problems when selling: buyers' home inspectors and appraisers flag unpermitted additions, lenders may refuse financing, and title companies may require permits to be obtained retroactively - often at 2–3 times the original permit fee. In serious cases, you may be required to open walls for inspection or demolish non-compliant work.

How much does a remodeling permit cost in California?

Remodeling permit fees in California typically range from $200 to $5000, depending on the scope and value of the project. Most jurisdictions calculate fees as a percentage of the project's estimated construction cost (usually 1–2%) or use a flat fee schedule based on project type. Electrical and plumbing sub-permits may be billed separately. Contact your local building department for an exact fee quote before starting work.

Permit requirements based on California building codes and ICC adoption data. Costs reflect typical municipal fee schedules and may vary by jurisdiction, project scope, and valuation. This information is for general guidance only - contact your local building department for requirements specific to your project.

Cost & Community (8) HIGH

True Cost of Ownership

$2,240
estimated extra annual cost vs a median-risk US ZIP
Higher modeled annual risk-cost than 71% of US ZIP codes

How this ZIP compares

US median ZIP
$1,400
per year
CA median
$2,800
per year

Where the estimate comes from

Wildfire$1,200
Energy-code gap$540
Flood$200
Show all 5 factors
Lead & water safety$150
Water service reliability$150

5-year equipment outlook

Major home equipment that may reach the end of its typical service life within five years. Figures are national-average installed-cost ranges, not quotes.

Water heater $800–$2,500
Estimated age ~8 yrs; typical service life 12 yrs
Estimated water heater age is near the end of its typical service life.
Estimated 5-year replacement range $800–$2,500

What this means

  • This is a modeled estimate of how much more - or less - a household here may spend each year on risk-related costs such as insurance, mitigation, testing, and maintenance, compared with a typical US ZIP.
  • It is a comparison figure for context, not a bill, a quote, or financial advice.
  • The 5-year equipment ranges above are separate one-time replacements, not part of the annual figure.

Planning for aging home equipment? - talk to a local expert.

Call (855) 384-4856

This is a free service. You will be connected with an independent service provider. We may receive compensation.

Methodology: Each of 13 risk verticals is assigned a dollar figure from public federal data; the total is the modeled annual difference from a median-risk US ZIP. The 5-year equipment outlook flags major home equipment whose estimated age is within five years of its typical service life; figures are national-average installed-cost ranges.

Estimates are modeled from public federal data. They are not quotes, prices, or financial or insurance advice.

Affordability-Adjusted Risk Score

26
Moderate Risk
How difficult it is for Paradise residents to afford home safety remediation
Median Income
$72,250
per household/year
Est. Remediation Cost
$5,000
$2,000–$8,000 range
Affordability Ratio
6.9%
of annual income
Risk Level
Moderate
of 5 levels
Median Home Value
$419,900
Census ACS estimate
Remediation vs Home Value
0.3%
of median home value

What This Means

For most households in Paradise (95969), the estimated remediation costs fall within a range that routine financial planning can accommodate - the affordability gap here is manageable rather than prohibitive.

  • Lower-income communities face disproportionate exposure to environmental hazards
  • Federal and state programs may help offset costs - check eligibility below
  • This score combines water quality, housing age, and income data from EPA and Census sources
Lead-related assistance may be available. Your state has received federal LCRI funding for lead service line replacement - see funding details below. Check with your water utility about lead testing and pipe replacement programs.

Environmental Justice Context: The EPA recognizes that low-income and minority communities often bear a disproportionate burden of environmental hazards. Use the EPA EJScreen tool to explore environmental justice indicators for your area.

Sources: Census ACS 5-Year B19013 (income), EPA SDWIS (water quality), Census ACS B25034 (housing age). Remediation costs are estimates based on typical residential systems.

Fair market rent in this ZIP

These are HUD's Fair Market Rent figures for this ZIP, the payment-standard monthly rents HUD uses for housing assistance. They are a published benchmark, not a survey of what units actually rent for today.

HUD sets the fair market rent for a 2-bedroom home in this ZIP at $1,330 per month.

Monthly fair market rent by home size:

Studio (efficiency) $970/mo
1-bedroom $1,020/mo
2-bedroom $1,330/mo
3-bedroom $1,860/mo
4-bedroom $2,230/mo

HUD metro area: Chico, CA MSA.

Source: HUD Small Area Fair Market Rents, FY2025. A SAFMR is a HUD payment-standard figure, not a survey of actual market rents.

Subsidized rental housing in this ZIP

These counts come from HUD's Picture of Subsidized Households, which tracks federally subsidized rental units across all HUD programs. They describe housing assistance reported in this ZIP, not a judgment about the area.

HUD reports 172 federally subsidized rental units in this ZIP.

What HUD reports here:

Subsidized rental units 172
Units occupied 160
People housed 212

Source: HUD Picture of Subsidized Households, 2025. HUD suppresses small counts; a suppressed value is treated as not reported, not zero.

Tax Burden in California

State tax rates affect cost of ownership. Here's how California compares to national averages.

Income Tax
13.3%
top marginal rate
US avg: 5.3%
Sales Tax
8.8%
combined avg
US avg: 6.6%
Property Tax
0.74%
effective rate
US avg: 0.98%
Sales Tax Breakdown
State rate: 7.25%
Avg local add-on: 1.57%

Highest top marginal income tax rate in the nation

Source: Tax Foundation 2024. Income tax = top marginal rate. Sales tax = state + avg local. Property tax = effective rate on home value.

Energy Costs in California

Residential electricity rate: 35.25¢/kWh - 107% above the national average (national avg: 17.0¢/kWh · EIA, December 2025)

California Energy Mix

Solar 27% Wind 7.9% Hydro 13.5% Geothermal 5.2% Nuclear 8.5% Gas 35.6%
Renewable energy
53.6%
Clean energy (incl. nuclear)
62.2%

Source: EIA Form 923, 2025 data. Renewable = solar + wind + hydro + geothermal.

📊 EIA + Census ACS · Updated March 2026 · View source →

Electric Utility for 95969

Provider
Pacific Gas & Electric Co.
Investor Owned
Residential Rate
39.6¢/kWh
State avg: 35.3¢/kWh

Source: U.S. Energy Information Administration, Form EIA-861 (2024 data). EIA ID: 14328.

Home Energy Audit for 95969

IRA Energy Incentives Are Time-Limited

The Inflation Reduction Act provides up to $8,000 in rebates and $3,200 in annual tax credits for home energy upgrades - but many provisions phase down or expire after 2032. A professional energy audit is the first step to qualifying for these incentives. Homes in 95969 average ~56 years old, making energy audits especially impactful.

Electricity Rate
39.6¢/kWh
State avg: 35.3¢/kWh (107% above U.S. avg)
Est. Annual Energy Cost
$3,701
based on avg U.S. household (10,500 kWh/yr)
Renewable Energy
54%
of California's electricity from renewables
Potential Annual Savings
$555–$1,110
15–30% savings from energy audit

What a Home Energy Audit Covers

Thermal Envelope
  • Insulation levels in attic, walls, and basement
  • Air leaks around windows, doors, and ducts
  • Blower door test (measures total air leakage)
Equipment & Systems
  • HVAC efficiency and age assessment
  • Water heater type and condition
  • Lighting and appliance energy use
Safety Checks
  • Carbon monoxide and combustion safety
  • Moisture and ventilation assessment
  • Gas leak detection
Deliverables
  • Prioritized list of recommended upgrades
  • Estimated cost and savings for each upgrade
  • Rebate and tax credit eligibility report
Potential Savings from an Energy Audit
  • The average home energy audit identifies $200–$400/year in savings (DOE)
  • Properly sealed and insulated homes save 15% on heating and cooling costs (DOE)
  • Heat pump upgrades can reduce heating costs by 30–50% compared to electric resistance
  • ENERGY STAR certified windows save $101–$583/year compared to single-pane windows
  • Weatherization assistance programs are available for income-qualifying households

Homes in 95969 are ~56 years old on average - older homes typically have the most to gain from an energy audit due to outdated insulation, single-pane windows, and aging HVAC systems.

Your Utility: Pacific Gas & Electric Co.

Pacific Gas & Electric Co. (Investor-owned) serves 95969. Your local residential rate is 39.6¢/kWh , which is above the national average - making energy efficiency improvements even more valuable . Many utilities offer additional rebates on top of federal IRA incentives - ask your energy auditor about programs from Pacific Gas & Electric Co..

Federal & State Incentives
IRA Tax Credits (IRC §25C) - up to $3,200/year
$2,000 - Heat pump / heat pump water heater
$1,600 - Insulation & air sealing
$600 - Windows & doors
$150 - Home energy audit itself
IRA Rebates (HEEHRA - income-qualified)
Up to $8,000 - Heat pump installation
Up to $1,600 - Insulation & air sealing
Up to $2,500 - Electrical panel upgrade
Up to $840 - Heat pump clothes dryer
30% tax credit for solar panels - extended through 2032 under the Inflation Reduction Act (IRC §25D). No annual cap for residential solar.

Under the Inflation Reduction Act. Income limits apply for HEEHRA rebates. Tax credits require tax liability. IRS details →

DOE Home Energy Audit Standards

To claim the $150 federal tax credit, your energy audit must meet DOE standards (10 CFR 440.21) and be performed by a qualified auditor. A DOE-compliant audit includes:

  • Blower door test to measure air infiltration
  • Infrared thermography to identify insulation gaps
  • Combustion safety testing for gas appliances
  • Written report with prioritized, cost-effective upgrade recommendations

Energy Audit Questions for 95969

How much does a home energy audit cost?

A professional home energy audit typically costs $150–$400 depending on the size of your home and the depth of testing. The Inflation Reduction Act provides a $150 tax credit for qualifying audits performed by a certified auditor, effectively covering a significant portion of the audit cost. Some utilities also subsidize audits for their customers - check with Pacific Gas & Electric Co. for local programs.

What is the difference between an energy audit and a home inspection?

A home inspection (done during a home sale) evaluates structural and safety conditions. An energy audit specifically measures how your home uses energy and identifies efficiency improvements. Energy audits use specialized tools like blower doors, infrared cameras, and duct blasters that are not part of a standard home inspection. The audit produces a prioritized list of upgrades with estimated costs and savings.

How much can I save after an energy audit?

According to the U.S. Department of Energy, the average audit identifies $200–$400/year in savings. Actual savings depend on your home's age, current insulation, HVAC efficiency, and local energy rates. At current rates in California, the average home spends approximately $3,701/year on electricity - a 15–25% reduction through audit-recommended upgrades could save $555–$925 annually. With homes in 95969 averaging ~56 years old, there is likely significant potential for improvement.

What rebates and tax credits are available for energy upgrades?

The Inflation Reduction Act (IRA) provides two types of incentives: (1) Tax credits up to $3,200/year for heat pumps ($2,000), insulation ($1,600), windows ($600), and the audit itself ($150); and (2) HEEHRA rebates for income-qualifying households - up to $8,000 for heat pumps, $1,600 for insulation, $2,500 for electrical panels, and $840 for heat pump dryers. Solar panels qualify for a separate 30% tax credit through 2032.

Do I need an energy audit before installing solar panels?

An energy audit is not legally required before installing solar, but the DOE strongly recommends it. Reducing your home's energy consumption before adding solar means you need a smaller (cheaper) system to cover your needs. An audit typically identifies 15–30% in energy reductions through insulation, air sealing, and HVAC improvements - which directly reduces the size and cost of a solar installation.

How long does a home energy audit take?

A comprehensive energy audit takes 2–4 hours for a typical single-family home. The auditor will inspect the attic, basement, walls, windows, HVAC system, water heater, and ductwork. Diagnostic tests (blower door, infrared scan) add precision to the findings. You will receive a written report within 1–2 weeks with prioritized recommendations and estimated costs.

Source: U.S. Energy Information Administration (EIA), U.S. Department of Energy (DOE), Inflation Reduction Act of 2022 (P.L. 117-169).

Safety Updates for Paradise, California

Violations & Enforcement Timeline

2022-09-30 State Order Extension

National safety news feed →

📊 EPA ECHO · Updated March 2026 · View source →

Recent Product Recalls

Recent CPSC recalls for plumbing and HVAC products that may affect homes in your area.

Madewell Double V-Neck Pullover and V-Neck Cardigan Sweaters
Madewell · 2026-07-16

Topyond Pool Drain Port with Cover
Unknown · 2026-07-02

AMASKY Nursing Pillows
Unknown · 2026-07-02

XW-A17 Electric Youth All-Terrain Vehicles (ATVs)
Yamazuki · 2026-06-25

View all recalls →

📊 CPSC · Updated March 2026 · View source →

Protect Your Home in Paradise

Based on local data for ZIP 95969, these services may benefit homeowners in your area.

Based on local data for your area. Use the tools below to explore your options.

Home & Flood Insurance

Paradise has 3 FEMA flood claims on record. Standard homeowner policies don't cover flood damage - make sure you're protected.

Typical cost: Flood insurance: typically $700–$1,500/year in flood-prone areas

Check Your Flood Zone (Free)

FEMA flood map lookup - see if your property is in a flood zone

Free tip: Check your FEMA flood zone at msc.fema.gov (free lookup)

Gutter Installation & Repair

Homes in 95969 were built around 1970 on average. Aging gutters can cause foundation damage, basement flooding, and mold - a professional assessment can prevent costly repairs.

Typical cost: Gutter installation: typically $1,000–$2,500 for a standard home

Estimate Your Home Maintenance Costs

Window Replacement

With a median build year of 1970, many homes in Paradise likely have original or outdated windows. ENERGY STAR windows can save $101–$583/year on energy bills.

Typical cost: Window replacement: typically $300–$800 per window installed

Estimate Your Home Maintenance Costs

Roofing Inspection & Repair

Homes built around 1970 may be on their second or third roof. A professional inspection can catch damage before leaks start.

Typical cost: Roof inspection: typically $75–$300; repairs $300–$1,500

Estimate Your Home Insurance Needs

Service recommendations are based on public data for this ZIP code (FEMA, Census ACS, NWS). Actual needs vary by property. By calling, your information will be shared with an independent service provider. ZipCheckup may receive compensation. Cost estimates are approximate and vary by property, condition, and contractor.

SNAP food retailers in this ZIP

These are stores located in this ZIP that are currently authorized to accept SNAP (food stamp) benefits. The count reflects where stores are located, not how easy groceries are to reach; a resident may shop in a nearby ZIP.

12 SNAP-authorized food retailers are located in this ZIP.

Store types located here:

Grocery and supermarket stores 6
Convenience stores 6

Source: USDA FNS Historical SNAP Retailer Locator (active authorizations), December 2025. A store is counted where it is located; this is not a measure of grocery access.

Take Action

Concerned about these findings? Contact your local elected officials to ask what is being done about water quality in your area.

Email Your Representative

Don't know who to contact? Find your local representative at usa.gov/elected-officials

Frequently Asked Questions

Is the tap water in 95969 safe to drink?

Based on EPA SDWIS data, Paradise's primary water system (Paradise Irrigation District) has 1 recorded violation in the past 5 years, including 0 health-based. Check the full report above for details. ZipCheckup last updated this page in July 2026. The federal source release date is unavailable, so that month is not presented as source currency.

Where does 95969's water come from?

The primary water source for ZIP code 95969 is Surface water. Paradise Irrigation District serves approximately 9,142 people.

How does Paradise water compare to the national average?

Paradise's water quality ranks better than 88% of U.S. ZIP codes, and better than 87% within California.

How can I get my water tested in Paradise?

Contact your local water utility (Paradise Irrigation District) for a free Consumer Confidence Report, or hire a certified lab for independent home water testing. The EPA recommends annual testing if you use a private well.

Is lead a concern in 95969 tap water?

The representative Lead and Copper Rule record selected for 95969 reports 0.00155 mg/L. The EPA action level is 0.015 mg/L. This result is below the EPA action level.

What is the radon risk for 95969?

95969 falls in EPA Radon Zone 3 (Low risk), located in Butte County. Zone 1 indicates the highest radon potential. Testing your home is recommended regardless of zone.

What does the NFIP claim history show for ZIP 95969?

FEMA records contain 3 flood insurance claims filed in ZIP code 95969; the dominant rated-zone value in those claims is X, which is not a current FEMA map designation. Claim records do not establish current property risk. Review FEMA's map for the specific property.

How to cite this page

APA ZipCheckup. (2026). Paradise, CA (95969): 1 Violation - 100/100. https://zipcheckup.com/report/95969/
BibTeX
@misc{zipcheckup-report-95969,
  author = {{ZipCheckup}},
  title  = {{Paradise, CA (95969): 1 Violation - 100/100}},
  year   = {2026},
  url    = {https://zipcheckup.com/report/95969/}
}

Page version: August 2026.

Nearby ZIP Code Reports

Water quality comparison for ZIP codes near 95969

ZIP Code City, State Distance Grade Violations
95967 Paradise, CA 3.8 mi N/A 0
95942 Forest Ranch, CA 9.4 mi N/A 0
95954 Magalia, CA 9.5 mi N/A 0
95965 Oroville, CA 10.5 mi B 2
95928 Chico, CA 11.1 mi B 1
95978 Stirling City, CA 11.3 mi N/A 0
95976 Chico, CA 12.1 mi N/A 0
95929 Chico, CA 12.6 mi N/A 0
95926 Chico, CA 12.6 mi B 4
95938 Durham, CA 12.8 mi N/A 0

Overall safety breakdown

Home Safety Score →

Find the right water filter

Water Filter Matcher →

Compare filters, tests & services

Compare My Options →

Compare with another ZIP

Compare Tool →

2026 Rankings

ZIP 95969 scores in the top tier nationally.

Coverage: 15/17 risk factors Data sources →
Get alerts for 95969