Sacramento is the capital of California, as well as the county seat of Sacramento County. It is the largest inland city in California, as well as the 7th largest city of the state. The city has an area of 99.2 square miles, with 2.1 square miles of water.
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The city has a population of 475,743 according to the 2008 census. It has a population density of 4,711 people per square mile. Health insurance is directly affected by the demographics of the city. The city is made up of 48.29% Caucasian, 21.61% Hispanic/Latino, 15.47% African American, 16.62% Asian, 1.30% Native American, 0.95% Pacific Islander, and 10.96% other. Roughly 6.41% of the population comes from two or more races. The median household income is $37,049 and the median family income is $42,051.
Sacramento's mediterranean climate affects home insurance rates quite a bit. The summers are dry and hot, and the winters are mild. There is not much humidity in the area, and the city has an average precipitation of 19.9 inches a year.
Home insurance depends on the neighborhoods and cityscape of the city. There are four distinct neighborhoods within city limits: the Central/Eastern area, Southwestern area, Southeastern area, and North of the American River area. There are also numerous unincorporated neighborhoods such as Carmichael, La Riviera, and Vineyard.
The availability and condition of roadways in Sacramento influence car insurance rates. There are several major freeways and highways that serve the area. Interstate 5 and Interstate 80 run through the area, as well as Bueiness Loop 80, U.S. Route 50 and State Route 99.