Home Insurance in Amador County, California
The median home value in Amador County is $449,800, 39% lower than the California median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Amador County was built around 1984. About 14% of homes were built before 1960, about 12 points below California's 27%.
In Amador County, the housing stock is 86% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Amador County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Amador County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Amador County, 26% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Amador County's top hazards are wildfire (Relatively High), winter weather (Relatively High) and inland flooding (Relatively Low).
Amador County had 120 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in California is $1,655 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $449,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively High), Winter Weather (Relatively High), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 120 |
| Home insurance premium | $1,655 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)